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Thus add up all my monthly contributions and then have it divide into 12 it is around 2%

Understood. However, if you have the other contributions buying stocks at a zero commission regardless of your Sharebuilder account fee, then you are still paying 18% of that particular account's contributions for the right to trade up to six times per month, which is a lot of trading for only $65/month contributed. Do you possibly get additional investing tools with the standard plan, not available through your other accounts, and you consider the $12/month a reasonable fee for those services?

Obviously, I may be missing something, and if this is your considered choice, then I don't want to step on your toes. But I thought I'd push just a little on the off chance that you decide your strategy could use some tweaking.

Best regards,
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