<prompt> Human: I have already contributed full for 2017. I just opened a new Roth IRA account at Vanguard for 2018. If I transfer money to that account will it count towards 2017 even if I dont invest it? Or should I wait till the 1st to do so? Thanks!  <response>: Wait until January 1. You will have to select what year you want to contribute towards when you make the contribution not when you invest it. 2018 wont be an option until January 1. 