Dream retirement. Think IRA.

It's okay if you don't know every detail of your retirement plans or exactly how much money you'll need. Just remember that the more money you save today, the more freedom you'll have to do the things you want later.

Have a say in your future

A Vanguard IRA® is a simple way to contribute more to your retirement savings and manage the taxes you pay on your money. You're taking advantage of a great opportunity to invest "your" way, for "your" retirement.

What do you want to do?


Let's get started

Open an IRA now

Help me figure out which IRA is better for me

Compare a Roth and traditional IRA

Show me my mutual fund options

Pick investments that are right for you

Top 5 questions people ask about IRAs

Is an IRA the same as a mutual fund?

Many people think an IRA is a type of investment, but it's an account where you keep investments, such as mutual funds.

How much can I contribute to an IRA?

For the 2014 tax year, you can contribute up to $5,500 to an IRA if you're under age 50 or $6,500 if you're age 50 or older. However, you can't contribute more than you earned during the year, and for Roth IRAs, there may be additional limits based on your income.

Can I contribute to an IRA and a 401(k) at the same time?

Yes, as long as you meet the contribution requirements described above. But if you're contributing to a traditional IRA and you're already saving in a 401(k), 403(b), or other retirement plan at work, the amount you can deduct on your taxes may be limited based on your income. For details, visit irs.gov.

Can I withdraw my money if I need it?

You can make a withdrawal from your IRA at any time, but there are financial penalties for most early withdrawals—typically, a 10% federal penalty tax and ordinary income tax if you're under age 59½. Note: You can withdraw contributions made to a Roth IRA at any time without penalty.

What rate of return will I get with my IRA?

Your rate of return (performance) will be determined by the types of investments you choose for your IRA, along with market conditions.

All investing is subject to risk, including the possible loss of the money you invest.

Vanguard provides services to the Vanguard funds and ETFs at cost.

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