<prompt> Human: Im very confused- first off thanks to anyone willing to help. Please explain this like Im five! If I want to make a retirement account- a Roth IRA why do I go through these companies that are talking about trade? I just want to put the money away--- I know nothing about how to manage stocks, therefore Im not interested in dealing with companies but how the heck do I get a ROTH IRA. Im sorry I know this sounds so stupid - can someone for the love of god help me understand??Thank you!  <response>: Consider opening an account with Vanguard You can call them with questions, as I did. I opened an account with them based on reading a lot here and elsewhere. I chose a Target Retirement Fund for my Roth IRA investment. This seemed like the right fit for me based on my goals and low risk tolerance since I started investing late in the game.Oh, and you wont have to pick stocks. With a target retirement fund Vanguard diversifies your investment for you. How they do that depends on what product you choose to invest in. Some funds are higher risk, but potentially higher returns. 