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don't understand. Why are the expenses so low? The link below shows an expense ratio of 0.16% for the S&P 500 Index fund. Do you get a special deal through the 401(k) plan? If so, stick with the 401(k).

Yes, my former employer was State Street, so the funds are their own ... they don't charge the internal plan as much as they charge other investors.

By the way, for many Vanguard accounts, if you keep at least $10,000 in a single account, they waive the fees.

Unfortunately, that's $10,000 in any FUND, not account. An IRA account with $18,000 in it divided equally into two funds (9K each) would be subject to fees for each fund.

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