<prompt> Human: I created a Traditional IRA with Vanguard. I put in 1020. I dont know how to proceed. I read the wiki. It seem like the recommended allocation for someone my age is 23 bonds and 77 stocks, with 20 of the stocks being international stocks. Ok, sounds good, so how do I actually go about doing that?  <response>: With just over 1000 and being unsure of what to choose, your best bet is going to be to choose the Target Retirement fund that best matches your anticipated year of retirement. These funds have a 1000 minimum investment whereas most individual funds have 3000 or more and they contain a mixture of domestic and international stocks and bonds. 