Hello "duck"...
I think you will find this discussion in this, and other forums. While many may "debate what's best", I'll tell you what I am going to do (either accept or reject - that's your option).
While I've been with Vanguard since 1983 (IRA's) and Fidelity since 2000 (401K's), I find that you "pay the price" for what you get.
I will agree that Vanguard has the "lowest cost" on delivery; however I feel/find that Fidelity is far superior in "customer satisfaction", both in their web offerings (e.g. investment tools) and managment of accounts (both before and after retirement).
What did I do (including my DW's investment, which also include offerings outside of Vanguard/Fidelity)?
I'm using Fidelity to "manage" my retirement day-to-day investments/withdrawls (if you want more information, see "cash management account" at the Fidelity site. However, Vanguard has been "good to us" over the years (we are Vanguard Health Care account holders 10+ years, and will remain to be so).
So, "what's the answer"? Simply stated, in our case, "both"....
However, you will have to find out what is best for your situation, at this time of life for you. I've stated before (on this and other boards), there is no "correct answer". What's good for me may or may not be applicable for your "life" (that's what makes lilfe interesting
)...
- Ron