[loeg]

You should not be paying ETF trading fees. And the bid-ask spread is quite small for most popular ones.

[brianwawok]

Where are you getting ETFs with no fee and no rate increase? And how would company offering said investment pay the staff?

[boulos]

Trading Vanguard ETFs in your vanguard brokerage account is free, because the underlying fees go to them.

[loeg]

Both Fidelity and Vanguard brokerages offer a wide selection of ETFs with no trading fees.

What do you mean by rate increases?

Vanguard brokerage is funded by its ETF expense ratios; Fidelity by kickbacks from ETF ER as well as subsidized by other products they sell.

But I'm also confused why you suggest doing 400-2000 buys per month. That seems very high to me for a long-term retirement portfolio.

[lsiebert]

Schwab has a bunch as well, not just schwab based ones.