<prompt> Human: So I want to open a Roth IRA with Vanguard and contribute the 5500 max for 2013. My question is about the timing for doing this. Ive read on this subreddit that my contributions for 2013 need to occur before April 2014; is this correct? Secondly, do I need to open the account by December 31, 2013?If there is anywhere I can read more about the rules relevant to this, that would definitely be helpful.  <response>: Ive read on this subreddit that my contributions for 2013 need to occur before April 2014; is this correct?Yes. April 15, to be exact. 