If you check on Yahoo Finance, you will easily observe that VFINX has one of the lowest cost ratios in the mutual fund business. I do not mean to be a shill for Vanguard, but I have been quite pleased with them. Their funds are no-load and they orient their funds to people who invest in the way I described. That means they limit the number of transactions (but they do not include timed investment or withdrawal in that limit). So you can get in slow and get out slow, but you cannot time the market with them. That is fine with me.