<prompt> Human: Hello rpersonalfinanceI currently use Sharebuilder for my IRA and I am wondering if maybe I am making a pretty big mistake by doing so.I am currently invested in a vanguard fund through my sharebuilder account, and with that fund I have an automatic investment plan but every time that the automatic purchase is made at the end of the month sharebuilder charges me 3.95. That may not be much now but with compound interest ...insert math that is slightly above my head...and I have lost insert dollar amount that is ridiculous if I retire in 30 years!!!I am not looking for anyone to do the math for me but I am wondering if I should just switch to Vanguard. I know this sub can sometimes get a little ridiculous with its praise for vanguard but when I eventually reach the 10,000 mark the 20 custodial fee gets waived and I am basically investing for nothing but what is included the expense ratio, right?The long of the short of it is, am I getting a bad deal? Should I move my IRA to another company? If so what company? Is the Sharebuilder fee structure pretty industry standard? What are your expenses like? There is no such thing as a free lunch right and there are gonna be some type of fees wherever I move my money right?Thank you  <response>: The 20 fee at Vanguard is waived if you opt for electronic statements or something. Ditch sharebuilder. Its not that great in terms of investment funds offered. 