Good call . My mistake . <| sep |> Well , they will have successfully privatized pretty much everything . so that ' s a big win for them until the realization of what a nightmare it is . <| sep |> Pm me later , we ' ll have another go at it but let a few people waiting in line take a stab <| sep |> your tax rateI ' d like to clarify that your tax rate for long term 1 year capital gains is not the same as the tax rate that you pay income taxes . For most people it ' s 15 %, could be 20 %, but for a lot of people it ' s 0 %. VFINX is a pretty good choice of index fundVFINX is a pretty good choice , but if you ' re only going to get one fund , I recommend a Vanguard or Schwab Target Date fund . if you have the sort of account that you can put money into anything . And if you don ' t , close your current account and get one .