<prompt> Human: I want to start a Roth at Vanguard composed of a a total market index fund, international index fund, and the total bond index fund. From my understanding, I wouldnt have enough in the account to buy into all the necessary funds to do so because of the 5500 Roth maximum and the 3K fund minimum. Is my only hope to invest in a target date fund for a few years until the 3K minimum investment for their total bond index fund is equivalent to my desired bond allocation assuming I have enough to appropriate the difference towards the other funds and meet their 3K minimums? Surely there is a work around to this.  <response>: You can use the ETF equivalents of the mutual funds; VTI, VXUS and BND 