What to do now?

[gull]

Jively is correct. The differences between ETFs and funds are very minor. They will only determine a tiny, tiny amount of overall performance. Don't sweat the minutae.

A fourth option not in the poll would be to put all the money in a relatively low-fee target retirement or total stock market fund. This would require no work, no decisions, and would still yield a very good risk-adjusted return.