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I got an answer from Vanguard...

The $10 account maintenence fee is waived if the account is over $10,000. Depending on the fund it is paid quarterly or yearly; it cannot be prepaid. (It's deducted from the fund.)
The IRA fee of $10 is paid yearly and can be prepaid by check.
Vanguard does not charge a low-balance fee for IRA accounts.

So that's $10+$10+expense ratio=?

And if you by a Vanguard (or other) fund thru your discount broker, don't you have to pay for the trade?
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