Capitol One 360 to Invest?

[whitemerlot]

I have all of my cash sitting in a Capitol One 360 account. I also have Roth IRAs there. Is there any reason I need to use Vanguard to invest, or is it fine to keep using Capitol One. I know that when I buy Vanguard mutual funds, I pay Capitol One $19.95, and Vanguard would be no cost. I feel like it's so much easier to just keep using Capitol One than it would be to start a new account.

[whitemerlot]

I believe regular trades at Capitol One are $7, but the no load mutual funds are $19.95.

[Deleted]

I just closed my share builder account. Since they were two separate websites, you still had to log in / log out and if you are buying Vanguard, buy from ,vanguard! It is a great site and will save you money long term.

Trust me, hassle factor on this change is pretty low.

I had a few individual equities and ING funds in share builder, and once I sold those I was so glad to have everything in Vanguard.

[shaynaatl]

This is a no brainer IMO. Spend the extra time and open the account directly with Vanguard. Those $20 fees add up very quickly.

[whitemerlot]

OK, I opened the account and set 5k to transfer.

My goal is to get my money more organized. I need to roll over an old 403B plan. I should also move my Roths directly to Vanguard, right?

I have learned a lot from you guys over the years, sometimes it just takes me a little extra encouragement to take these steps.

Thank you!