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Pick investments for your IRA

Keep it simple with an "all in one" fund that does some of the work for you, or customize your own portfolio.

Your investment choices should be based on:

  • How many years until you retire.
  • How much risk you're comfortable taking.

Your IRA's rate of return will then be based on the investments you choose—or more specifically, on how much you invest in stocks versus bonds and how those markets are doing.

How do you want to pick your IRA investments?

"I want a complete portfolio in a single, all-in-one fund."

Based on your age or years to retirement, we'll suggest a broadly diversified Vanguard Target Retirement Fund that comes with a preset, professionally managed investment mix.

Each of these funds automatically rebalances itself and gradually becomes more conservative as your retirement date approaches.

"I want some help making my decision."

Get an asset allocation recommendation online in just a few minutes. Simply answer some questions about your time frame, risk preferences, and financial situation.

We'll also suggest a handful of Vanguard funds you can use to build a fully diversified portfolio that aligns with that allocation.

"I'd like to talk with an expert."

If you'd like a more personal approach, one of our investment professionals can review your options with you, discuss your overall retirement portfolio, or direct you to one of our professional advice services.

Call us at 800-551-8631 for details.

"I want to see a list of all Vanguard funds."

If you've already decided which types of investments you want, go straight to our detailed fund list to choose funds for your IRA.

A note of caution

If you're also investing in a retirement plan where you work—like a 401(k) or 403(b)—think about how the funds you choose for your IRA will affect the risk level of your overall retirement portfolio.

Open your IRA today

We're here to help

Talk with an experienced investment professional.

Call 800-551-8631

Monday to Friday
8 a.m. to 10 p.m., Eastern time

Saturday
9 a.m. to 4 p.m., Eastern time

RELATED OPTIONS

With a Vanguard Brokerage IRA, you can invest in exchange-traded funds (ETFs); non-Vanguard mutual funds; and individual stocks, bonds, and other securities.

REFERENCE CONTENT

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Asset allocation

The way an investment portfolio is divided among various asset classes, such as cash investments, bonds, and stocks. Also known as "investment mix."