Real ChatGPT answer · index seedtdQwxYs6cOYcompleteFinance and banking · retirement accountscomparison

Which retirement account option is cheaper for a frugal freelancer, a traditional SEP IRA or a Solo 401k, when looking at setup costs and annual maintenance fees?

ChatGPTgpt-62 queries10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
Which retirement account option is cheaper for a frugal freelancer, a traditional SEP IRA or a Solo 401k, when looking at setup costs and annual maintenance fees?
2 real searches · 1 real-search pass
2026 SEP IRA and solo 401(k) account fees setup annual maintenance fees major brokeragesGoogle ↗
OBSERVED
SEP IRA setup fee annual fee vs solo 401k setup fee annual maintenance fee Fidelity Schwab E*TRADE 2026Google ↗
OBSERVED

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Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
2026 SEP IRA and solo 401(k) account fees setup annual maintenance fees major brokerages Google ↗
SEP IRA setup fee annual fee vs solo 401k setup fee annual maintenance fee Fidelity Schwab E*TRADE 2026 Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
2026 SEP IRA and solo 401(k) account fees setup annual maintenance fees major brokerages
OBSERVED
Google ↗
AI Mode ↗
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SEP IRA setup fee annual fee vs solo 401k setup fee annual maintenance fee Fidelity Schwab E*TRADE 2026
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1