Start investing at 22 = great!Choosing Vanguard = very good! Just one account is fine, or did you mean more than one mutual fund?Good choices of Vanguard funds would include a high date Target Retirement fund or Life Strategy fund. https://personal.vanguard.com/us/funds/vanguard/TargetRetire... Putting it all into their Total Stock Market fund would be a reasonable choice, but, in the not too distant future you will want to expand your portfolio to include international stocks and bonds. Choosing the TR or LS funds would provide that exposure currently in a single fund of funds.Bob
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