Dan, Nice, thoughtful reply- thanks for taking the time, and I will check out the ETFs. When looking at the funds, I placed a minimum $2K on the search to narrow it down.
Your statement about entering slowly makes sense, as I see smallcaps going strong til April, then large caps brining up the rear.
I have not really thought about the tax angle, I'll pay my fair share (he,he).
Thanks for your list, I'll look at them.