<prompt> Human: I was reading this article on Investopedia that compares ETFs to mutual funds. It states that you would need to invest 60000 in an ETF for one year to offset the cost of of a mutual fund and that therefore, for the most part, mutual funds were a better choice.  <response>: You shouldnt be paying 20 commissions. Schwab offers free trades on their ETFs, which actually have lower expense ratios than vanguard. 