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...the commissions to alter the Roth's could add up to 5% of my investments.

Do you mean that if you sold these four stocks, and bought four others, or a mutual fund, your portfolio would shrink by 5%? If so, this is a bad sign. Even if you do this only once a year, that's a big drag on your return. You should try to keep your commissions down to 1% per year, or possibly 2%. You can do this by

1) Using a lower-cost broker
2) Avoiding individual stocks until you can rotate stocks for 1% of the value.
3) Using Long-Term Buy & Hold investing style. Paying several percent commission could be OK, if you pick well and hold for several years.

Fool on!

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