I'm new to personal investing and new to the Motley Fool community board, so please forgive if this question has already been asked and answered.I have a traditional IRA in a bank earning pathetically low CD rates. I would like to do a direct trustee-to-trustee transfer to Vanguard, opening 3 mutual fund IRA's, one of which will be a money market mutual fund. Can I treat my Vanguard Money Market Mutual Fund IRA as a bank account to purchase funds (monthly) in the other two Mutual Fund IRA's? The idea here is to purchase funds each month to take advantage of dollar-cost averaging, or value averaging. What fees do I incur using my Money Market Mutual Fund IRA to purchase funds in the other two Vanguard Mutual Fund IRA's? Thanks.