<prompt> Human: I recently sought the advice of a fee only investment planner to help me make some decisions regarding my savings. She had recommended funds, some of which required me to convert my Roth IRA from a Mutual Fund to a few ETFs.I am holding this Roth IRA with Fidelity and had previously been automatically funding its mutual fund directly every month.The question I now have, is that because I cant automatically fund stocks and ETFs monthly, am I going to have to manually trade for stocks every month? The 3 funds the planner recommended would garner 15 in commission each month, resulting in around 180 of commission a year, which seems awfully high.Is it smarter to then make a trade for the funds I want once a year, or quarterly, in order to reduce the amount of commission paid? Essentially putting aside all of my Roth savings and then buying into the funds at a less frequent interval, or is the whole point to be purchasing into these funds ASAP?  <response>: You dont want to pay 180year in commissions. Thats ridiculous.There are many many commission-free ETFs at Fidelity. Buy some of those instead. 