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To make IRA contributions you need to earn the same as your contribution at least (e.g. $2K this year) or be married. When married I BELIEVE (99% sure) you can contribute for a spouse, check to be sure though.

You can attain $25K in it by transferring other IRAs into this fund I know. It sounds like they require 25K in an IRA account, not just in this fund, from what you are describing. Their customer service has always been very helpful when I call, and I bet the website details this was well.

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