Ray,

Yeah, I'm averaging in with small amounts into SmallCap Blend Index, MidCAp Blend Index, SmallCap Value Index, Real Estate Securities, as well as several of the other funds. I know about DFA funds. Kind of like buying a $50,000 car to save on gas. I don't like the bother and charges (apparent and hidden) of using a broker,especially a high priced one like TIAA-CREF's, Zecco has no commission and possibly is the way to go to buy ETFs (they get you some other way, I guess.). Vanguard has an Emerging Market fund, but they charge an exit fee.

Good luck to all, except for the bad guys.

By the way; where's the cheering squad led by Peter?.