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Author: cargeoma One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 294  
Subject: IRA v/s 403B Date: 9/4/2002 1:42 PM
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My 22 yr old daughter is a student & working part time. She presently has the following accounts (none of the accounts have more than $500 in them)and I am wondering if she should consolidate all of them to one company and if so which would be the cheapest and best to go with:

Has a small IRA account with Morgan Stanley that was opened 3 years ago by grandparents.
Competitive Edge-(EDGBX)
Value-Added (VADBX)
$40 per year maintenance fee for both funds

Has a regular act with a few stocks with Charles Schwab from an old employer.
No fee

Her new employer originally offered her a 403B with Vanguard (no company match).
Total Stock MKT Index Fund (VTSMX)
$15.00 per year maintenance fee.

The employer just switched over to Fidelity 403B (no company match).
She would invest in their Sparan US Equity Index Fund
$12.00 per year maintenance fee

Fidelity is the cheapest, but is it the best? Would she be better off opening an IRA with Vanguard and having everything moved over to them and have them take out directly from her checking account? (That's $10 per year).
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