Hi Ktaylor966 <br /> <br /> Aim monthly. You want there to be time for securities to move. As it is some things will not trade for months anyway because you need a 30% move to go from selling to buying or buying to selling. But only 5% in the same direction. It takes a few market cycles to really see Aim work, dont think it is not doing anything. <br /> <br /> Start an account with a minimum of $20,000. $10,000 in stock, otherwise the trades get too small to bother with. <br /> <br /> Decide what you want to own the rest of your life before you start. You dont have to invest in them all at once. That might be LARGE, SMALL, FOREIGN, REIT, BOND ( Wait for interest rate spike) Just those 5 could suck up your $100,000. The large caps can later be broken up into sectors. <br /> <br /> Yes ETFs are funds. <br /> <br /> Funds are MUCH safer than individual stocks, they cant go to zero. <br /> <br /> Practice with paper and pencil for awhile to see it work but look for the QUICK AIM CALCULATOR which will figure out your HOLD ZONE so you only need to do the calculations when you know you are going fo have a trade. It is even possible to copy it to your computer. <br /> <br /> Toofuzzy <br /> <br /> Feel free to message me privately.