kos: I agree with job: Good for you ... I wouldn't quabble about another penny or two, especially since you're not investing that much. (and that's not meant as a putdown) All I can say is that everytime I have extra cash I throw it into FITX. I can't predict the daily flucations, so I just go for it. Incidentally what a great move buying at .0479, only wish I had. congrats.