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Fund Classification & Me?

I invest heavily at Vanguard where an old employer's 401k, my current Roth IRA, and a non-retirement account reside. Between my old 401k and Roth IRA, many of the mutual funds I'm invested in are their lower cost Admiral shares.

My question is if I wanted to change up the investments in my non-retirement account @ Vanguard and I don't have the fund minimum (often $10k) to get into, say, VFIAX (Vanguard 500 Index Fund Admiral Shares), does Vanguard take into consideration that I already have more than the fund minimum for VFIAX in my Roth IRA, or does Vanguard treat my retirement accounts separate from my "side" account? I looked everywhere I could think on Vanguard but couldn't find anything. Thus, maybe one of you knows whether Vanguard requires you to meet the fund minimum each time for the same fund if the same fund is in 2 or more different types of accounts or not.


Apr 11, 2014 by Colin from Oak Creek, WI in  |  Flag
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Colin - It's a good question. Have you called yet and talked with someone at Vanguard in their qualified accounts section? (Qualified in this context means as yet untaxed money.) Some companiies have minimums per household, some minimums per account, some by some other criteria and the best answer is going to come from someone at Vanguard.

Comment   |  Flag   |  Apr 11, 2014 from Gainesville, FL

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Usually a fund company will aggregate you total investments to determine if you qualfy to do this. Call Vanguard at 1 (877) 662-7447 to make sure.

Comment   |  Flag   |  Apr 11, 2014 from Canton, GA

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