<prompt> Human: With Schwab lowering their mutual fund fees to below that of Vanguard, what are you thoughts on investing with Schwab or Vanguard? Their funds seem to produce similar returns so unless theres something terrible about Schwab, it would make sense to save some money on expense ratio fees and go with Schwab instead  <response>: Schwab hands down. 24 hours superior customer serve, the local offices are a great feature, better banking options and if you are in taxable they will actually manage your tax loss harvesting for you a sweet benefit. Fidelity is another superior option. It is hard for me to recommend Vanguard I have money at all 3 as their customer service, website, and trading platform is subpar. I do not find their customer service reps adequately trained nor knowledgeable. I have been a client of theirs since 2004 so it is not without experience that I make these comments. 