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Thanks for the info, I think part of it is the payment fee. And yes it does look like 18% however this is the only account we pay for trading commissions, my IRA, my brokerage and VEST accounts have no charge for buying shares.

Thus add up all my monthly contributions and then have it divide into 12 it is around 2%

I am holding out with ShareBuilder hoping that with the merger of ING, there is some reduced rates for holding other ING products (hoping though not holding my breath)
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