Quote:
Originally Posted by manaboutown
I gave up on Fidelity many years ago and use Schwab and Vanguard.
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This comment would be considerably more useful if some context was provided. WHY did you leave Fidelity?
I have used all 3 and moved everything to Fido. Better customer service and better website with better tools. Vanguard, while the cheapest has terrible customer service and an antiquated website. Schwab pays poor rates on idle cash.
Having said that, none of it answers the OP's question. The short answer is if you are willing to do it yourself, you can save a ton of money. If you're not willing, just buy a Target Date Index Fund and you're there. Not perfect, but good enough.