Harry,

Do be sure to check for short-term trading fees with any commission-free etf program, which may be assessed if the fund is held less than a specified period of time (usually 30-days). There are also no-transaction fee mutual funds at many firms, but the transaction fee will be assessed upon not meeting the holding requirements, too. The cutthroat nature of the brokerage business has dramatically decreased commission costs and simultaneously improved many platforms, and that seems overall beneficial for retail customers, though.

Best,
Eric