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Hello fellow fools,

I need some advice one my IRA situation. I opened a IRA before Arpil 15th of this year to beat the deadline for 1999 and chose a Traditional because I needed the $2000 write off. I allocated the funds in Vangurard Growth Index Fund(VIGRX). It has done well and is up $200 in two weeks, I got lucky because the transaction was executed at the close of the "crash" of April 14th.

My question is twofold, I really wanted to invest the funds in stocks, but Vanguard's fees are too high and I think I might be better off with a Roth, what are my options? How do I know what is better for me, Roth/Traditional?

In addtion, I found out from Vanguard that there is no fee for me to transfer the account to a discount broker and Ameritrade has no fee to accept the transfer.

My dilema is figuring out what is best for me. I am in a very low tax bracket now, but don't know where I will be in 5-10 years and I think overall, I will do better with stocks.(I am 36 years old)

Please help,

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