thanks, i thought it was just scottrade being stupid. I have a 401k at work, a trad. IRA at scottrade (my rollover from my old job) and a this other account lying around and wanted to make it a ROTH so that i had my bases covered. my goal was to shelter the gain but since i cant i will definately be switching since the saver's credit is worth more than the commisions.
ot but close: if a chose a no transaction fee no load fund, i know there is still expense ratio but are there other catches to it.
I was using this as "play" $$, so I might keep it as stocks to "time the market"
JK