<prompt> Human: Im starting a Roth IRA with Vanguard. I know I can only deposit 5.5k each year. How can I get a diversified portfolio if most mutual funds stocks and bonds require 3k minimum to invest? Theres no way to get enough money in my IRA to even get a 5050 amount of stocksbonds. This would total 6k, which goes over the 5.5k amount allowed. What do most beginning investors do?  <response>: You dont need to have any bonds at all if you dont want. You can invest your money into a stock fund, and then choose a bond fund at a later date when you have enough money. 