Two things you should consider when making your investment choices:
Your IRA's rate of return will then be based on the investments you choose—or more specifically, on how much you invest and in what securities you invest and how those markets are doing.
Based on your age or years until retirement, you might consider 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.
Want to build your own portfolio but need some ideas for taking the right approach to ensure it's balanced and diversified?
EXPERIENCE THE VANGUARD LOW-COST ADVANTAGE
See the difference low costs can make
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 855-850-6972 for details.
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.
See how your asset allocation can help reduce investing risk
Have questions? Contact us
For more information about Vanguard funds or ETFs, visit vanguard.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.
Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
All investing is subject to risk, including the possible loss of the money you invest. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Diversification does not ensure a profit or protect against a loss.
