Greetings, Hudson12, and welcome. You asked:<<In a recent column you said you opened an IRA with Vanguard. I have had good luck with Prime Cap and Health- specialized- for my daughter who is 25.What were your Vanguard choices? >>You'll find them listed in the very first column announcing the Retiree Portfolios at http://www.fool.com/specials/1999/sp991206retireports.htm. As to why these were purchased, see the side piece at http://www.fool.com/retirement/bonds/bonds01.htm.<<Janus Funds also have low cost equity funds but when you use Vnaguard's cost comparison charts- over the long haul- Vanguard always yields more with less cost- There is a fallacy here someplace with these calculations- Do you know what it is?>> I don't know what funds you're comparing, but the easy answer is Janus has higher expenses than Vanguard.Regards..Pixy
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