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How to open an IRA

Follow these steps to help you make your decisions and open your new IRA.

Step 1

Decide which IRA suits you best

Step 2

Choose an "all in one" fund or customize your portfolio

Step 3

Open your IRA online quickly & easily

  • Get started with as little as $1,000.*
  • Move money directly from your bank to your new Vanguard IRA® electronically. You'll just need your bank account and routing numbers (found on your bank checks).
  • Name beneficiaries for your IRA. (We'll send instructions once your IRA is open.)
  • Avoid the $20 annual account service fee by registering your accounts online and signing up for e-delivery.

Where the money can come from

Make a direct contribution by check or electronic transfer from your bank.

Move an old employer plan account into a Vanguard IRA.

Move an IRA that you have at another company to Vanguard.

Open your IRA today

We're here to help

Call 877-662-7447

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


Put additional contributions on autopilot by signing up for automatic investing.

Did you contribute beyond the limit?