<prompt> Human: Im am considering a base IRA with the 5500 a year contribution. So around 450 a month. The SP has an annualized average over the last 25 years of around 13. So I would like a fund that tracks around that same average annual return. I obviously know that some years will lose money, while others will be great. But so long as the fund tracks that average long term I will be happy. By my math if I do the 450 every month for 25 years at 13 I will have 1.65 million at the end.  <response>: 13 is extremely optimistic. Planning for a 6 or 7 return taking into account inflation is more realistic. You also shouldnt be 100 invested in US stocks, look into the bogleheads style 3 fund portfolio before investing any money. 