<prompt> Human: Im graduating school after this year and I have 2,000 in old bonds that are giving me under 1 returns, or 1.5 return if I allow them to go another 5ish years to hit that 20 year automatic double in principle point and then cash them. I am thinking of cashing these now and throwing in what else I have to open a Roth IRA this year. I am under the impression that I have until the end of the calendar year to max my contribution for this year. Any advice on my situation is welcome, either about the bonds or general advice with opening a Roth IRA. Thanks so much!Edit: Thanks everyone for the advice. I looked into a number of places and believe Ill be starting one with Vanguard over the next few days. See you in 40 years!  <response>: Does it matter where I open it at?Yes.You probably want Vanguard, because they are not for profit which makes them 1 low cost and 2 have no motivation to raise costs to turn a profit, because they have no external shareholders. Are there fees I should be wary of?Yes.Many providers charge transactiontransferother fees, and will advertise high-expense ratio mutual funds for you to invest in. None of this is true of Vanguard; there are no transaction fees to buy their own funds in a Vanguard account, and their fund expense ratios are low and made very obvious. I am under the impression that I have until the end of the calendar year to max my contribution for this year.You can contribute to an IRA until April 15 following the end of the calendar year the contribution is made for. 