Question from a newbie. I have just figured out at 31 years that I need to invest if I am going to have any life in retirement. So happy I found TMF. I am now completely Foolish. My cash is quite tight right now. I have $1000 to invest. I would like to place it in Vanguards IRA (the S&P 500 index) but am woried that when my cash is up to say $5000 that I won't be able to roll over to a self directed IRA without getting hit with the penalties. Any experience from the Fools. Also it will cost me $13.10 to have this account is there anything I have missed.Fooled againDarren
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