<prompt> Human: They are basically the same mutual fund, right? does the 0.005 difference matter in the long term? ThanksAssistant: So if you invested 1,000 the difference is 0.05. Per year.Its good to watch expense ratios, but at this level its just noise. Use whichever site offers you the UI that you like more. Human: If you want to save another 0.05, Schwab charges 0.03Assistant: How is Schwab compared to these 2?  <response>: Theyre all great. Cant really go wrong with either of Fidelity, Schwab, or Vanguard. I have different accounts with all 3 Fidelity - 401kHSA, Schwab - checkingbrokerage, Vanguard - Roth IRA and theyre pretty much interchangeable to me. All their websites are meh. Schwab has a decently useful mobile app. Offerings are pretty much the same, though Schwab is also big on ETFs. 