<prompt> Human: Opening a Roth IRA. Im planning on maxing 20122013 right away, giving me 10,500 in the account.Im looking add total stock VTSAX and total bond VBMFX to invest into. Are these good choices? VTSAX requires a minimum of 10k and VBMFX requires minimum of 3k. So my plan was to first invest 100 into VTSAX. Then for 2014 invest into VBMFX and try to get my ratio up to 7228 split for that year.Edit: Decided to invest in a TF 2050 for the time being, 9010 split more-or-less. Once I can begin investing for 2014 Ill consider switching it up and investing in separate funds. I think thats the right idea, especially since I want the contribution to be withdraw-able, and with an admiral account I cant slip below 10k.  <response>: You plan looks fine to me. I dont stress about having the perfect allocation when you are getting started. Keeping a high savings rate where you are saving a good over your overall income is going to have the biggest impact in your early years. 