[gila]

The only problem with EFTs is if you want to invest, say, $1000 into a certain fund every month. In these cases the brokers fees will eat away all the advantage of the EFT. Otherwise, I believe they are the way to go, for they usually have lower expanse ratios than their corresponding index funds. Plus, as you state, you may be able to get them at a flat discount if you can time it right.