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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

AFTER YOUR IRA IS OPEN

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

Did you contribute beyond the limit?