<prompt> Human: Im signing up for a Roth IRA account through Vanguard. I was under the impression that I would be able to contribute to this account at my convenience up to the yearly maximum of 5,500. However, on the second page of the sign-up Im being prompted to Enter contribution amounts for your Roth IRA accountI am 23 and dont make a ton of money so while I might be able to contribute the maximum, and that is my goal, I cannot say with certainty Ill be able to.Any advice on this is much appreciated.Assistant: Pretty sure that is your initial investment, not for the year. You can of course put in almost nothing into money market, but most of their target funds and such require 1000 minimum to start.Human: How about the Index Funds? I want to split between international stock index funds, U.S. stock index funds, and U.S. bond index funds. I have 1000 to deposit but not more at the moment.Assistant: A lot of their index and mutual funds have even higher buy ins, like 3000. Just have to look at each fund and see what it is.Human: Ahhh youre right. That sucks because it means I cant diversify early have to do 3000 in domestic stock index fund, then save up for 3000 for domestic bond index fund, etc.Thanks for the help. In this case since I cant immediately invest anyway Ill just call them next week to sort out this 2016 contribution confusion.  <response>: Or you could put the money in a Vanguard Target Retirement Fund, which has a 1000 minimum and automatically diversifies across those four index funds. 