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Hello All,

I'm considering opening a Roth IRA, but am not sure where, exactly, to do it. I do know that I want to start with Saturna's Amana Mutual Funds Trust Growth Fund (AMAGX), but am unsure whether or not to go directly through the fund company or through a brokerage. If one buys directly from the fund company, there is not a yearly custodial fee, while a $25 fee exists if holding the fund in an IRA through a brokerage. Also, many discount brokerages, like Scottrade, have a minimum mutual fund purchase of $100, while Amana allows purchases of $25. So my money would simply sit in a cash account at Scottrade or elsewhere until I accumulated their minimum.

I'd like to have all my investments under one roof, so to speak, rather than spread out between several brokerages, mutual fund companies, etc., but don't want to see my investments eaten up in fees. Has anyone encountered this dilemma before? Am I fretting too much over losing $25 a year? Is a self-directed IRA the best option if you want to add different funds/stocks/etc. to your portfolio rather than?

I'd love to hear thoughts.

-Narn Ceredir
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