Fidelity's rates are not the reason I use them.

I rolled my 401K to an IRA, and all the shares I have accumulated since are free of capital gains, so the tax rate is based on distributions taken over the course of year by year. The brokerage account will have capital gains.

The point is, owning EDIG in a roll over IRA, Traditional IRA or Roth IRA can be very beneficial for tax reasons.

Check with your tax preparer as I did, and make the right choice.

I'd rather pay Fidelity $265 for 50K shares in the IRA, than Ameritrade $9.95 in a brokerage account...make sense?