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 until 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.
Want to build your own portfolio but need some ideas for taking the right approach to ensure it's balanced and diversified?
"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 mutual funds and ETFs (exchange-traded 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.
We're here to help
Talk with an experienced retirement specialist.
Monday through Friday
8 a.m. to 10 p.m., Eastern time
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OTHER INVESTMENT OPTIONS
With a Vanguard Brokerage Account, you can also enjoy low commissions when you buy and sell:
The way an investment portfolio is divided among various asset classes, such as cash investments, bonds, and stocks. Also known as "investment mix."