This is my first posting- I've been reading like crazy (I'm a newbie) but I'm still confused about a few things. My husband and I are partners in a small business. We have decided to start a SEP (we have two employees but they won't be eligible this year). Do we each need to set up separate accounts at a discount broker and split up our money to invest? Also, in investing "foolishly", they say to check in every 18 months and one day (due to the capital gains tax)- what if I want to add to my account on a monthly basis? Do the SEP deferred tax laws make the capital gains tax issue not important?
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