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From my experience with Schwab (I have a rollover IRA), I can tell you that they have an extensive list of funds on which they charge no commission. While this may be different in your case, I would get a copy of their Performance Guide, which lists a large number of funds, many of which fall in the no-fee category. Vanguard funds do not fall in this category, but other index funds do. I would be quite surprised if you cannot find some appropriate fund where you can park your assets until you invest in individual stocks at the end of the year.
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