What is it with the fees. There's no reason at all to pay 2.5% the first year or any year. The only thing this accomplishes is to make the fund manager and salesmen (i.e., financial planners) rich with your money. No load, low fees, and tax efficient is the only sensible way to invest for 99% of investors.You are being particularly dense. Hohum did a good analysis of the fees involved if the OP decides to continue to use Sharebuilder. I suggested a different discount broker to lower the fees. I didn't see you suggest one. It appears that you keep arguing that Hohum is incorrect for the broker in question.IF
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