<prompt> Human: I recently opened a Roth IRA with trade king in addition to my company 401k. I plan to contribute a few hundred dollars a month to the Roth but how much should I save before I select and buy mutual funds. It seems that it charges 10 for purchasing a selected mutual fund. In which case should I save up 1000 before making each mutual fund purchase to minimize the 10 charge? It seems if I purchased 100 or 1000 that the charge would be the same 10. Is this correct? Ive currently only added 100 so far to mess around and see how it works so Im a little unsure of all the fees and charges associated and the best amount to purchase at a time. Ive got the 401k down quite well but this is a whole new can of worms. And advice would be appreciated!  <response>: It seems that it charges 10 for purchasing a selected mutual fund.Lucky for you, you are never going to have to pay that fee because there are so many ways to avoid a front load fee. You will be saving yourself thousands of dollars in the long-run by avoiding load fees.Step 1: Open an IRA at Vanguard, Fidelity or Charles Schwab.Step 2: Do a direct transfer from your old IRA to your new IRA.Step 3: buy whatever funds have no transaction fees. These are generally the funds that the brokerage you selected offers. If you made a Fidelity account, buy Fidelity funds. If you made a Vanguard account, buy Vanguard funds. 