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> Sorry - I should have called that the "index fund fee". I had forgotten about the low balance for accounts that drop below the minimum. What funds are you invested in with Vanguard? Some of them charge the $10/yr fee (probably billed as $2.50/quarter) and some don't.

My VG money market fund is the one susceptible to the low balance fee.

> If you can avoid tapping your Roths, you'll do a lot better by putting the investments with the highest expected yield there. I say "If" because high yield goes hand in hand with high price volatility, and you don't want to withdraw when your investments are temporarily depressed. If you'll need to tap your Roths, then you shouldn't be in volatile stuff if your home purchase is closer than 8 years.

My Roth is in a pretty conservative fund, so I was thinking of putting the wife's Roth into something a bit riskier, such as QQQ. I do expect to tap into the Roths for a home purchase within 8 years, though. You think the nasdq index would be too risky?


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