With Vanguard’s traditional IRAs your contributions grow tax-deferred until you withdraw them in retirement. For many investors, traditional IRA contributions are tax-deductible. Vanguard offers a range of low-cost investments and easy account management. For most Vanguard funds, a minimum initial investment of $3,000 per fund to open a Vanguard IRA.
I rolled over an old 401k (managed by Vanguard) to an IRA there. Vanguard made the process incredibly easy, allowed me to stay in a few closed funds and also waived a fund minimum for me.
The website is easy to use and customer service is strong. In terms of investment choice: Vanguard offers a variety of funds, with strong track records and reasonable fees. Need I say more?
I considered several IRA options before chosing Vanguard. Here you can get in to all of the open Vanguard funds with very few expenses.
I considered a Vanguard IRA brokerage account to buy Vanguard ETF's (which I may still do) but I'm not yet sure how frequently I will be buying.
There are no fees associated with this IRA - outside of the expense ratios of the funds themselves.
The user interface for all Vanguard products is very intuitive and easy to trace transactions and annual contribution limites.
| Type | Today | Week Ago |
|---|---|---|
| 15 Year Fixed | 4.62%  |
4.67% |
| 30 Year Fixed | 5.15% | 5.15% |
| 1 Year ARM | 3.48% |
3.51% |
| 5/1 Year ARM | 3.62% |
3.68% |
| Type | Today | Week Ago |
|---|---|---|
| Line of Credit | 4.89%  |
4.88% |
| 10 Year Loan | 7.47% | 7.47% |
| 15 Year Loan | 7.61% |
7.60% |
| Type | Today | Week Ago |
|---|---|---|
| Interest Checking | 0.28% | 0.28% |
| Money Market/Savings | 0.38% | 0.38% |
| 12 Month CD | 1.13%  |
1.15% |
| 60 Month IRA CD | 2.40% |
2.41% |
| Type | Today | Week Ago |
|---|---|---|
| Cash Back Cards | 12.66% |
12.68% |
| No Annual Fee Cards | 12.08% |
11.97% |
| Reward Cards | 12.75% |
12.61% |
| Small Business Cards | 11.01% |
10.94% |
| Student Cards | 13.77% |
13.49% |
| Platinum Cards | 12.26% |
12.11% |
