No. of Recommendations: 5
Sorry about that, I can see where this could be confusing.
I am going to open one roth for me (3K) and one for my wife (3K). The third post was talking about one account, I am planning on buying two different funds VTSMX (1.5K) and VEXMX (1.5K) to make the 3K total, for my account. I thought the vanguard site a $10 charge for each fund until 10K is reached, so 1.5K X 7 years = 10.5K ,so my thinking is it will take me 7 years of the $10 fee.


It appears from what you have written than you are planning to put an equal amount of the two funds in each account. Why don't you put $3K of VTSMX in your account and $3K of VEXMX in your wife's account? Diversification does not have to occur on an account by account basis.

IF
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