WHAT TO EXPECT

Because investing directly in a mutual fund is unique, it might be nice to know a little more about what you should and shouldn’t expect.

Should Expect

Shouldn’t Expect

Quarterly statement focused on your success, our performance and the companies we all own.

Annual teleconference where the investment team discusses fund decisions with shareholders.

Someone you can call if you have questions about your account or are thinking about leaving the fund.

Clear delineation of the fees you are paying ( .78% per year—that was easy).

Pages full of pie-charts.

A face-to-face meeting to build a financial “plan”.

An annual call to ask you if your risk tolerance has changed.

A long, difficult and confusing conversation.

OPEN AN ACCOUNT
1

Decide How You’ll Fund Your Account

There are essentially three ways you can fund your account.

Lump Sum ($10,000 minimum)
Transfer/Rollover ($10,000 minimum)
Savings Plan (automatic monthly deposit of $100 or greater)

2

Choose Account Type

Choosing the right type of account will be based mostly on tax considerations. And as we all know, the tax code is complicated and confusing. The following is a simplification meant to help you consider the options. Before deciding, you might want to consult a tax specialist to better understand all of the variables and implications.

IRA

Roth IRA

SEP IRA

"Taxable" Account

Contributions: Tax deductible
Distributions: Taxed as regular income
Limit: $5500 per year ($6500 if over age 50)
Penalties: For early withdraw (10% before age 59.5)
Eligibility: Anyone with an income or a spouse with an income
Contributions: No tax deduction
Distributions: Tax exempt
Limit: $5500 per year ($6500 if over age 50)
Penalties: For early withdraw of gains (10% before age 59.5)
Eligibility: Anyone with an income or a spouse with an income
Contributions: Tax deductible
Distributions: Taxed as regular income
Limit: Lesser of 25% of income or $54,000
Penalties: For early withdraw (10% before 59.5)
Eligibility: Self-employed/business owners (and potentially their employees)
Contributions: No tax deduction
Distributions: Growth taxed upon sale at capital gains rate
Limit: No limit
Penalties: None
Eligibility: Anyone over age 18

All tax information and rates are based on 2017 IRS tax code for federal taxes. The specific deductions or rates may be different based on your tax situation.

For information about other account types, like Simple IRAs, Charities, Corporations, Personal Trusts or UTMAs, please contact Evan Almeroth, CFA at 612.317.4114 or evana@dginv.com

3

Sign On The Dotted Line

Click on the appropriate application below. Fill out the form. Sign it. Then drop it in the mail. You’ll receive an account number and log-in information shortly thereafter.

* If you are transferring money from a 401K plan or other employer-sponsored retirement plan, you’ll need to contact the plan administrator (their telephone number is likely on your retirement plan statement) and ask what is required in order to transfer your account to another firm.

CONTACT US

1.855.344.3863 (1.855.DGI.FUND)

dgi@alpsinc.com

Please use the form below to ask any question you would like about The DGIFUND. If this an immediate account service request, please call 855-DGI-Fund (855-344-3863).