[BOB]

hi,

does the 3 months withdrawal penalty apply only to funds invested or also to the dividend reinvestment.

example i invest $10,000 on Jan1

automatic dividend reinvestment $400 on Sep1

i have 2 scenarios

1)i withdraw $10,200 on Oct 10..

2) i withdraw $5,000

how does the withdrawal penalty work..

would dividend reinvestment also be considered a fresh investment