Hello! My wife and I both have Vanguard Roth IRAs. She is a very conservative person who didn't want to dig into any stock picking, allocation, etc. so she invests in the Vanguard Retirement 2045 as a "set it and forget it" solution. I currently hold the Vanguard Windsor II fund. I view our retirement plans as a "joint" strategy: if her half of our retirement is allocated in a way that will adjust automatically over time to be more risk averse, then my thoughts were that my half could be used to venture out to accept a little more risk for possible higher returns. We are 28 and 27 years old and have only been investing in our Roth's for about a year. We each have a little over $5000.What I am looking for is some advice on the best way to enable my account to purchase other funds and maybe some choice stocks. I could open a Vanguard Brokerage account for this, but there are some definite costs:$30 annual feeStock purchases: $25 or 25 cents/share (whichever is greater)Non-VG funds: $35 per transaction or $3 per transaction for dollar-cost-averaging option.Are these costs worth it, or should I seek to go with a discount broker that would result in a funds transfer fee as well as the hassle of not having my Roth IRA holdings with one broker? Advice? Oh lordy! Why would you want to do that???All those expenses and so much risk!!!Vanguard has some great funds - with all the excitement (risk) you will need. I own a couple of them that returned over 40% last year. And I didn't have to watch the market, pay high fees, sweat out when to sell or any of that aggravation.Why not just add some diversification to your IRA by adding another fund that will give you what you are looking for without all that expense?AM....just a suggestion.
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