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> If you want to avoid commissions, Schwab & Fidelity have commission free ETF's - just buy and hold.

Most of the brokers do this now. Also, Schwab just lowered stock trade commissions to $4.95. Not to sound like a shill, but Schwab bank also has zero fees (no ATM fees, no foreign transaction fees, etc...) if you open (don't even need to fund) a companion brokerage account.

I think companies like Vanguard have pushed down expense ratios and now the likes of Robinhood have pushed down trade costs through competition.




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