<prompt> Human: I am 27 and I have a pension plan with the county I work for I put in 8 of my salary and they put in 11, I cannot change my contribution per the rules. I want to open a Roth IRA but I only have 1,500 for 2015 contribution. I was looking at going with Vanguard and trying to figure out how to invest using the guides here. However, I am worried the 1,500 isnt going to be enough to open anything.. and honestly I am scared and dont have any idea how to choose stocks, bonds, or the timed funds unsure of what those are called. If anyone has any guidance or a way to help me understand what I need to do I would greatly appreciate it. Thank you  <response>: The target date funds have a 1,000 minimum. 