Author Topic: moving my Roth IRA  (Read 1855 times)


  • Pencil Stache
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  • Location: New England
moving my Roth IRA
« on: June 13, 2013, 11:21:16 AM »
I've been thinking about moving my Roth IRA from Fidelity to Vanguard for awhile so I can buy Vanguard funds. Does it matter if I do it now before I finish my 2013 contributions or next year when I will have >$10K in the account?


  • Magnum Stache
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  • Location: CT
Re: moving my Roth IRA
« Reply #1 on: June 13, 2013, 11:57:12 AM »
Well for instance the Total Stock Market Fund (VTSMX) states this for the sub 10k account -
For nonretirement accounts, traditional IRAs, Roth IRAs, UGMAs/UTMAs, SEP-IRAs, and education savings accounts (ESAs):
We charge a $20 annual account service fee for each Vanguard fund with a balance of less than $10,000 in an account. This fee doesn’t apply if you sign up for account access on and choose electronic delivery of statements, confirmations, and Vanguard fund reports and prospectuses. This fee also doesn’t apply to members of Flagship®, Voyager Select®, and Voyager Services®.

Eliminate this fee by registering for our convenient e-delivery package.

See how you qualify for Flagship, Voyager Select, and Voyager Services.

Given that you can switch now then after you hit >$10k transfer to the admiral shares (VTSAX) which are available at more than $10k.

Of course you could do that with any fund that strikes your fancy as long as you meet the $ requirement.