<prompt> Human: I have extra funds that I can put into a retirement account. I have no retirements benefits from my employer. I want a low risk option. Thanks!  <response>: Do you have an emergency fund? Do you carry any debt? Do you have any near-term savings goals-- down payment, etc?If you answered yes, no, and no: look into a Vanguard IRA... probably ROTH...but educate yourself first: check out the bogleheads wikiListening to Dan Deacons Wham City is wholly optional. 