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No. of Recommendations: 0
As the amount in your retirement fund increases, the importance of the $200 annual fee plus $29/trade decreases.
I'd take a good look at the 12 mutual funds. If they include good no-load index funds, probably better to go with the funds.
If the mutual funds are loaded, or have 12b-1 fees, and with $85K in your fund, I'd pony up the $200/year and make my own choices. A 5% load would be worse than the annual fee, especially since you will have management fees in the mutual funds but not with the Schwab account. If you are buying solid companies, once you have them there won't be any fees apart from that annual $200.
Best wishes, Chris
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