Last year, the only tax advantaged savings we could put away were in Roths. To keep costs low we bought ETFs at Vanguard.
The whole share purchase requirements has left approx $9 in cash in the settlement fund.
It will be a few years (probably) with kids before out taxes line up enough to allow us to contribute to Roth's again.
I was thinking of moving this to the taxable account when I got all the notices about early distributions, possible penalties, and reporting to the IRS.
1) Should I care about the $9 cash drag?
2) What should I look into to see if there are any penalties? (I rebalanced the accounts earlier this year, so some things were liquidated, and then repurchased, so I can't tell you if the cash in settlement is counted as contributions or uninvested cash?
3) What's the worst that could happen with $9?
Thanks