This plan seems like a good fit for me and my son, who is five years old. I'm comfortable with the investment style and it seems to be relatively inexpensive to own. I also like the flexibility of choosing an age-based portfolio, which I'm leaning toward, but have yet to decide completely. But I am wondering why the Initial Purchase ($3,000) is higher than other similar plans. It's about the same amount I've budgeted to invest yearly via monthly automatic contributions, but because my commission-based salary fluctuates, I hope to make additional contributions at least four times a year. My question is should I be concerned about plunking down a proportionately high amount compared to my budgeted monthly contributions. I understand nobody can time the market, but entering at the wrong time seems like it could be a problem given my goals. I suspect there's no right or wrong answer here, but if someone could help me think it through, that would be greatly appreciated.