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Charles Schwab embraced commission-free stock trades, starting Oct. 7. The move has broad ramifications for rival online brokers and operators of dividend-reinvestment plans. 3. Schwab’s short-term redemption fee of $49.95 will be charged on redemption of certain funds with no transaction fees and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee which may charge a separate redemption fee, and funds that accommodate short-term trading.

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