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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?

Seperate accounts.

The 18 months is now 12 months, however capital gains tax does not apply to retirement accounts. When you take the money out it is taxed at your regular income tax rate.
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