A mutual fund account can be your low cost option if you plan to invest in mutual funds. And both Fidelity and Vanguard have stock broker divisions, making it easy to move into stocks and ETFs if you want to later. But note that brokers often charge fees for mutual fund transactions--except for a list of preferred mutual funds, which are free of transaction fees. This list can be important if you plan to own mutual funds in your brokerage account.One thing I did was to open two Roth accounts. (Note to lurkers: This doesn't double your possible annual contributions; the same limit holds as always; you just have to divide your limit between the two accounts.) I have one at Vanguard, where I buy their funds, and one at Scottrade, where I buy individual stocks. culcha
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