I have been lax in my investing lately. I am paying my monthly fee for my Buy & Hold account which entitles me to 2 free trades. I am going to try to start using those even if I only invest a small amount. I bought $100 of ISHARES s&P SMALLCAP 600 VALUE INDEX FUND (IJS) and also $100 of ISHARES MSCI EMERGING MARKETS INDEX (EEM). I own a bunch of individual stocks in my regular brokerage account, and they up, down, and even. I have done much better with the ETFs in my Roth IRA than I have with individual stocks. So I decided a while ago that any more purchases would be funds. Thoughts of selling some of the individual stocks, and converting the money to funds has crossed my mind. But the thoughts of having to do the tax work of figuring out the cost basis has put me off. I still need to sit down and do the cost basis for a few stocks I sold last year. Also, I want to make sure I hold these stocks for at least year so I pay only long term capital gains taxes, and not short term. Anyway, they are all pretty stable companies, so I am not too worried.