Actually she's done pretty well. She started dabbling in the market around the time we met, and her strategy was looking at only the dividend payout structure. Not as good as what we do with index funds, but better than trying to time the market (didn't even take a big hit during the market correction in 2009 considering she was only paying attention to the payouts, and not the value of the stocks). She is one of the best I've seen at not freaking out when the market drops. Right now, this is the one thing she's worried about, and with good reason (and it's only a portion of her portfolio). Talking to her more, she was thinking about selling the shares and going with a vanguard fund, but the cost of doing this through share builder had her concerned. I didn't realize that's how she was planning to do it, so she is most likely going to setup an account with Vanguard, and bypass the sb fees. Right now, she is waiting until later in the month (next month, I assume). Price is always highest right before the payout of monthly dividends, so we'll get everything transferred then.