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Subject:  Re: Roth IRA acct and safekeeping fees Date:  10/4/2013  9:49 AM
Author:  AngelMay Number:  73412 of 88758

Even if I decide on some other ETFs or mutual funds, they seem to have a decent selection to choose from...again, I really don't yet know enough to say that with confidence. But, they seem to be a decent candidate, and a starting point for comparing others too.

As I said earlier I am a bit confused with dividends and how they are handled. Though it appears at first glance that TD would give me the ability to reinvest the dividends at low to no cost, provided I accumulated enough to invest them back in; though I could use that as a reason to contribute more to the account.


Argh! This is just making my head explode.

Why would anyone even consider a company that charges you a fee to reinvest dividends?

And what kind of ETFs does TD offer? Even if they don't charge anything for you to purchase, what are the management fees on the ETFs you might consider?

Frankly, if I had less than $3K to work with I would still choose a good mutual fund like Vanguard over a brokerage house and just park my money in a money market until I had enough to work with. Meanwhile, use the time for figuring out what's what.

Word of warning: it's REALLY easy to lose your shirt if you are not careful.

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