If I want to invest the $1k in an index fund with a $1k minimum, can I deposit an extra $x just to cover the brokerage fee?According to the tax rules, you cannot do this. Of course you can actually do it, but there will be later ramifications. For example, you will probably have to withdraw the excess contribution, which, if you're fully invested, means you would have to sell something and pay another brokerage fee. You might want to ask this question on the tax strategies board, but I don't think the hassle aftermath would be worth it.2oldP.S. This is why I like having accounts with the mutual fund families--you would never find yourself in this situation. Contribute $1000, invest $1000, no fees!