I have no idea what type of account you are considering, but here's my take.
I'm reminded of the following quote, "Choice is more than picking 'x' over 'y.' It is a responsibility to separate the meaningful and the uplifting from the trivial and the disheartening. It is the only tool we have that enables us to go from who we are today to who we want to be tomorrow." by Sheena Iyengar
Therefore, consider the following:
1) Do the research regarding the pros and cons of your options 2) Is the choice you're considering to fulfill short-term or long-term goals? 3) What is the overall effect this choice will have in your web of life? 4) Does the benefit of one account outweigh the cost of the other?
Hopefully, I was able to inspire some different thinking in making your choice.
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