Fox posted.."If you really want to own an S&P 500 index fund, then VFINX is the one with the lowest expense ratio. You should open a Vanguard account to do it in as that will avoid all fees."Vanguard (and most other mutual funds)use to charge a yearly IRA administration fee of $10 to $25. Some funds would wave the fee if the value of the IRA exceeded a certain amount. Is this still the case?BGP
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