POST THIS SOMEWHERE PROMINENT ! <| sep |> Hah right . Your never gonna see someone get Gunny timed in a movie . We are all supposed to be professionals but some of us don ' t try as hard as the rest . <| sep |> I got confused by RAMS and ING . Isn ' t RAMS like a savings account offered by a bank ? And Googling ING gave me another bank too . So I wasn ' t sure how move to RAMS and signing up to ING made sense . Does that mean I would have two accounts in different banks ? What ' s the purpose of that ? The MER and BPay bit I got lazy , sorry about that . Am I correct osamudazai was saying if I go ETFs , go with bigger chunks of money if I go with the Vanguard managed funds I can transact with lower amounts but at the cost of having a higher MER in exchange for being more convenient ?