I currently have a Roth IRA through John Hancock. I only recently became Foolish, and am tired of someone else (mis-)managing my money.I am considering transferring the IRA to Datek, through which I currently have a regular on-line account. This way, I am not tied into only holding John Hancock's mutual funds, most of which underperform (as all Fools know).Thing is ... with Hancock, I can swap in and out of different funds without any commissione fee. I do pay $15 annual maintenance.If I switched to Datek, I'd have to pay $9.99 per trade.Question is, is it still worth it for the control I'd have over the account (and theoretically, the better return)? Just my 2¢, but I would go with Datek for several reasons:1. more funds than just the John Hancock funds, hopefully including access to index funds.2. fee for trading - it makes you think twice about trading a fund's long-term performance for some short-term gain (market timing), in which the vast majority of people (and fund managers!) do not win!Like I said, just my 2¢,Taylor
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