多谢，很有用的信息。401K我们家的就在FIDELITY，确实有好多很好的FUND。偶对投资很有兴趣，所以想选择多一点，但是有一点我很不明白。同样的FIDELITY FUNDS，在FIDELITY的2005年的PERFORMANCE就很好，12%，但是我去SCOTTRADE的RESEARCH一查，RETURN只有6-7%，不知道为什么，所以我还是不能确定SCOTTRADE就是MF的最好选择，但是我们家的PORTFOLIO的WATCHLIST很宽，也只有SCOTTRADE在这方面能满足要求。

大家多多交流，会有很多新发现的

嗯，买他们自己的mutual fund的话，是没有fee的。但是这两家都有minimum investment requirement，Vanguard $1000，Fidelity $2500。就算到了minimum investment也还有个account management fee。必须投资总额高过一个限额才能免掉account management fee。所以在开这个account之前还是要先琢磨一下的。举Vanguard做个例子：

Vanguard Account fees

Index fund maintenance fee: Either $2.50 quarterly or $10 annually (depending on the fund), per fund account. Waived for index fund accounts with balances of $10,000 or greater.

Low balance fee: $10 a year per taxable, nonretirement fund account. Waived for fund accounts with a balance of greater than $2,500, or shareholders with total Vanguard fund account assets of $50,000 or greater.

IRA custodial fees: $10 a year per fund account with a balance of less than $5,000. Waived for shareholders with assets totaling $50,000 or more at Vanguard in any combination of accounts (retirement, nonretirement, employer-sponsored plan, brokerage, annuity).

实际上Fidelity和Vanguard都是mutual fund公司，不是broker。他们主要的收入不是account management或者trading commission，而是mutual fund expense。就是说你的钱放在mutual fund里面，每年他们会拿一部分走。具体是多少因mutual fund而异。一般在0.5%到2%之间吧。这个才是他们拿的大头。买mutual fund的时候别忘了要看这个哦。

我想再请问一下，所谓的没有fee，指的是没有trading commission吗?? 也就是买A型基金的那5.75%手续费可以免吗??

嗯家有fidelity account那为什么还去stocktrade.可以都开在fidelity, 然后捆棒account.变成household.overall就可以到便宜的commission level了.

我的理解是如果买A基金，扣5.75%, say you buy $4000 for 2005, the firm deduct $230, you will only has $3770 in your roth ira account at the very beginning. After that there is no fees associated with your roth ira account.

if buy B funds, you need to pay commission, transaction fee etc.

Correct me if I am wrong.

所以有可以减免那5.75%的办法吗??

我知道的是，有一些华人银行可能可以谈这一部分，最低可以到4%

有没有人知道更好的deal??