with the same dedication as professionals, on-line brokerage is now attracting more mainstream investors with an affinity for mutual funds.

A recent survey by Gomez Advisors predicts that more than 16 million people could begin trading on-line over the next three years. The Lincoln, Mass., e-commerce consulting firm estimates that many will be drawn from the ranks of investors who value long-term goals and one-stop financial shopping over the ability to make a quick killing in the stock market.

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