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My best bet then would be to keep the IRA with Fidelity out of convenience and flexibility. I would definitely like to replace the Franklin Rising Dividend fund with Vanguard's Dividend one. The equivalent Fidelity is not that great. I still need to make a decision about the other Franklin fund. Rather than mess with ETFs, at least for the moment, I'll stay with index funds. As for the Vanguard Total Market Index, I guess the best thing to do is to trade once a year or so and the $75 fee won't be that bad.

One last question: how do you guys feel about international index funds? A couple of people mentioned them. Since I'm European, I feel kinda scared about trusting much of my money to international funds given the misguided economic policies in Europe, and I'm not sure how the rest of the world is doing. I generally try to read as many of Warren Buffett's words of wisdom as possible, and he tends to like the American market (mainly), at least as far as non-professional investors like me are concerned.
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