A future to believe in. Something to invest in.

Individual

A standard, non-retirement mutual fund account for an individual.

Joint

A standard, non-retirement mutual fund account for two individuals.

Gift/Transfer to a Minor (UGMA and UTMA)

UGMA and UTMA are accounts that allow a parent/custodian to invest on behalf of and in the name of a minor. The parent/custodian controls and manages the account until the minor reaches the age of trust termination in his or her state of residence.

Trust

An account opened in the name of a trust that allows one or more trustees to control and manage assets for the benefit of the trust.

Corporation or other legal entity

An account can be opened by an authorized person or persons on behalf of and in the name of a legal entity such as a corporation, partnership, or limited liability company.

Roth IRA

A tax-advantaged retirement account where individuals contribute after-tax dollars (subject to IRS limits). Contributions and earnings enjoy tax-free growth. You can make withdrawals from a Roth IRA without paying penalties or taxes when you retire, provided you wait until the age of 59 ½, and your initial contribution was at least five years prior.

Traditional IRA

A tax-advantaged retirement account where individuals contribute pre-tax dollars (subject to IRS limits). Contributions may be fully or partially tax-deductible depending on your filing status and income. Contributions and earnings grow tax-deferred until withdrawn and distributions are taxed as income. Distributions taken before the age of 59 ½ may be subject to an early-withdrawal penalty.

SEP-IRA

An employer-provided retirement plan that allows small business owners, including self-employed individuals, to contribute to an individual retirement account (subject to IRS limits), much like a Traditional IRA, for employees. Contributions may be tax-deductible for the employer. Contributions and earnings grow tax-deferred until withdrawn by the employee and distributions are taxed as income. Distributions taken before the age of 59 ½ may be subject to an early-withdrawal penalty.

SIMPLE IRA

An employer-provided retirement plan that allows employees to invest a portion of their pre-tax salary into an individual retirement account and receive mandatory employer contributions (subject to IRS eligibility rules and limits). Contributions may be tax-deductible to the employer. Contributions and earnings grow tax-deferred until withdrawn by the employee and distributions are taxed as income. Distributions taken before the age of 59 ½ or within the first two years of participation in the account may be subject to an early-withdrawal penalty.

Coverdell Education Savings Account

A Coverdell education savings account is a tax-advantaged custodial account used to save for educational expenses. Contributions to Coverdell accounts can total up to $2,000 a year and are tax deferred, meaning any growth in the account would not be subject to income or capital gains taxes when the beneficiary pulls money out, provided that it goes toward qualified educational expenses.

A mutual fund pools money together from a group of investors to invest in securities like stocks, bonds, or other assets. Mutual funds are operated by professional money managers, who allocate the fund’s assets and attempt to produce produce value for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus. Note that mutual fund investors do not actually own the securities in which the fund invests; they only own shares in the fund itself.

Only the following accounts can be opened online:

Standard Investment Account:

• Individual
• Joint
• Gift/Transfer to a Minor (UGMA/UTMA)

Retirement Investment Accounts:

• Roth IRA
• Traditional IRA

Trusts and other legal entities cannot open an account online at this time.

To open your account online you will need:

• Contact info
• Social security number and that of any beneficiaries if you are setting up an IRA with beneficiaries
• Banking details
• Valid U.S. street address (P.O. boxes are not acceptable)

Any type of Domini account can be opened by mail. There are two ways you can do this:

1. You can print out an application online and send it to us by mail or express delivery service.
2. You can request an investment kit with pre-printed forms that you fill out and send to us by mail or express delivery service.

Yes, the following are the minimum initial investments for all Domini Funds:

• $2,500 per fund for standard accounts
• $1,500 per fund for standard accounts opened with an Automatic Investment Plan (AIP)
• $1,500 per fund for per fund for IRAs, Coverdell ESAs, and UGMA/UTMA accounts