<prompt> Human: Whats up, PF?Sorry if this is a repeat, I looked and couldnt find the exact situation already posted.So I already have a Vanguard Mutual Fund for Total US Stock Index that required the 3k minimum. I would like to invest in Total International Stock and Total US Bond. The issue is it would take some time to save the 3k to open a mutual fund. Should I just wait and save the 3k or immediately invest in the ETFs?Thank you!  <response>: Look into the target date funds, only a 1000 minimum. I vastly prefer mutual funds to ETFs due to the simplicity of automatic investing. 