If you're planning to buy and hold, the only fees you'll incur is the $200 annually.Assuming you have $85,000 in your portfolio, that means it's an 0.24% annual fee, in line with what the best mutual funds will charge you. If your stocks do better than the market average, rejoice![Remember that since this money is pre-tax, any withdrawals from this plan will be taxed at your income tax rate at the time of retirement.]
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