I'm currently invested in vanguard ira through VFIAX and vanguard brokerage non-tax-advantaged account through VTI and VB. I also have stock investments through Robinhood. I recently saw that Fidelity was offering 0% exchange ratio funds with 0% minimums and 0% fees by tomorrow. It's unlikely that I will switch over the funds I already have in vanguard to fidelity due to short term capital gains tax. However I'm not sure if I might open a fidelity account and start redirecting money there rather than to vanguard etfs that have .04% ER. The problem is that I might lose out on the fidelity sign up bonus that I might want to use in the future because right now I do not qualify with enough $$ to get signup bonus.
Starting Score: Ex08-732,Eq08-713,Tu08-717