>Why are you opening an account at Merrill?>Think about the answer. If you just do not know what you want to do it maybe worth it. The firm is good. But expensive.> If you know what you want to do, the index fund for one, go to a no load mutual fund and get one. The fund will help you transfer the money and set up the account. The performance of the same type of index fund should be similar between firms before they take their fees. Therfore go with a large mutual fund family with a low expense ratio. Not ML for this money.>Thank you guys for your replies so far. Again, the reason for going with Merrill is because we are new at this, and Merrill is the company that is handling my husband's new job's sep account. When I get my rollover from a job I just left, it's going to go to a discount broker account for stock purchases. But my husband is more comfortable with this now, and we'll probably move out of Merrill at a later date when we know a lot more, (or he finally gets ticked off enough.) Thanks for your help,Zee64
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