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It might help if we knew exactly what the 2%+ fees are that you are talking about.
There are a number of costs that might be involved such as:
Commissions and transaction fees that might be charged with any purchase or sale.
Expense ratios associated with mutual funds.
Account maintenance fees charged by the institution holding the account.
A wrap fee which is usually a percentage of the assets under management.
And probably some others that I've left out.
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