<prompt> Human: So here is my conundrum, keep in Mutual Funds ETFs etc or switch some of my IRAs to Equities. I did the math I am long on everything if I hold mutuals the fees add up to double than the commissions of the buying and selling of equities over a ten year period. Am I missing something or are equities the way to go? I used Coke as my example and 50K as the IRA the Mutual fund fees added up to be 350yr i am in the lowest fee rate that I can The commission on the equities round to about 2, so over a 10 yr period if I sold Coke at the end it would add up to 2K in fees vs 4k fees for the mutual funds. So I keep thinking that there has to be a part that I am missing. Help me out here PF  <response>: What?The part youre missing is that a mutual fund gives you dozens to hundreds of positions at once. Lets say your 50k was charged a 2 management fee, so you pay 1k in the first year. If you purchased 200 stocks at 5trade, youll pay 1k in trading fees and have fewer positions than a good portfolio of mutual funds. More trading, more fees. 