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system
limiting fees for monthly contributions
user
first off, i think you are on the right path not paying 3% to a broker; that sort of fee reduces the money you earn significantly in the long term. for your fund investing approach, 10 funds seems like a lot; one of the point of funds is that they are diversified, so i would expect that the 10th fund would give relatively little diversification over the other 9. i would think about targeting only 5 funds. to invest in the funds, rather than trying to invest in all funds every month, put all of the money into a single fund, and rotate the fund month to month. that reduces your transaction costs significantly.
assistant