According to Vanguard , Vanguard Total Stock Market Index Fund Investor Shares VTSMX has a $ 3 , 000 minimum for IRAs . I see two ways around the problem of fund minimums for your $ 5 , 500 Roth IRA you could buy ETF shares , like VTI the ETF class of Total Stock . ETFs can be bought in 1 share increments $ 114 share for Total Stock at this moment . You could buy all 3 funds separately as ETFs , and the expense ratio would be low . buy Vanguard Target Retirement 2055 Fund VFFVX with a $ 1 , 000 minimum . That gives you 54 % Total US Stock , 36 % Total International , and 10 % in bonds US international . <| sep |> I would watch a show like this . Sorta like Swamp People except in the Serengeti , so I guess Serengeti People or in this case Serengeti Pride . Just following small groups of lions and their hunting . Could even keep the same dialogue from Swamp People just applied fo the lions .