偶是新手， 准备放2005 Roth IRA， 现在正犹豫是放到Fidelity， 还是Vangard.或者有更好的地方

下面是我了解到的。时间紧，又没经验。希望朋友们给个建议。

About the fees for each account
1 Vanguard has lower expense ratio, but charge $10 custodial fee per year for the account balance lower than $5000. we will pay $10 each year for each account.

2 fidelity has higher expense ratio than vangard. It doesn't charge the maintaince/custodial fee. But it has $50 closing fee.

Besides this, the main thing is comparing the funds between fidelity and vanguard. Just many funds in each company, and based on what information I get, I am still kind of hesitated to choose one.

1. Two funds in vanguard recommended by their representative:
Target Retirement 2035 (YTD Returns 4.65%, Average Weighted Expense ratio as of 09/30/2005 0.21% ),
STAR Fund (YTD Returns 3.67%, Average Weighted Expense ratio as of 10/31/2005 0.36% )

2. Two funds in fidelity recommended by their representative
Fidelity Freedom 2035 Fund (YTD Returns 5.64%, Average Weighted Expense ratio as of 03/31/2005 0.78% ),
Fidelity Balanced Fund (YTD Returns 4.58%, Average Weighted Expense ratio as of 01/31/2006 0.64% ),
Fidelity Balanced Fund ranked #5 in the balanced fund by ripple rank, and 5 star by morningstar.