SELF-DIRECTED TRADING

FIRM             ACCOUNT    FEES*      MINIMUM   COMMENT/
                 NAME                  DEPOSIT   WEB SITE (WWW.)

MERRILL LYNCH    ML Direct  $29.95     $20,000   Free research; shop-
                            per trade            ping; rewards; high
                                                 min. balance
                                                 mldirect.ml.com

MORGAN STANLEY   MSDW       $29.95     $2,000    Free broker assist-
DEAN WITTER      Online     per trade            ance option; $100,000
                                                 minimum balance for
                                                 free research
                                                 msdwonline.com 


BROKER-ASSISTED TRADING

MERRILL LYNCH    Unlimited  0.5%-1% of    any     Industry's lowest fees;
                 Advantage  assets                includes in-depth finan-
                            annually              cial plan
                                                  ml.com

MORGAN STANLEY   Choice     0.3%-2.25%  $50,000   Tax accounting; fast
                            of assets             Web site navigation
                            annually              msdw.com

PAINEWEBBER      InsightOne 0.75%-1.5%  $100,000  Customizable home page;
                            of assets             no online purchase of
                            annually              IPOs
                                                  painewebber.com

PRUDENTIAL       Advisor    0.25-1.5%   $50,000   Separate $29.95 charge
SECURITIES                  of assets             per trade; online IPO
                            annually              info; easy online bank
                                                  transfers
                                                  prudentialsecurities.com

SALOMON          AssetOne   0.75%-1.5%  $50,000   Reduced fees charged on
SMITH BARNEY                of assets             cash in account; no
                            annually              online links to Citi-
                                                  bank products
                                                  smithbarney.com


*Asset fees vary for fixed-income assets and mutual funds. Minimum fees 
apply. Broker-assisted trades may cost more.

DATA: BUSINESS WEEK