> Are you sure? Vanguard charges a $20 fee for any fund with less than
> $10,000 in it, but that's nothing specific to TR 2045.

I just checked again, and turns out I misread things. Vanguard does
charge a $25 fee for simple IRAs, which is waived only if you have
less than $100k in the fund. The $20 fee is for nonretirement accounts
and, I just saw, traditional and Roth IRAs, and is waived after
putting in $10k. So no fee for me, after all.

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