2016年10月3日 · ABALX has an expense ratio of 0.58% which eats up lots of your gains. For my Roth IRA, I love Vanguard ETFs such as VOO, VTI, VYM, etc... Low expense ratio and free to buy and sell any Vanguard ETF. I also have good dividend paying stocks that build income (VZ and T was over $20K in dividends last year).