So, at the end of August, 2021, I opened a Roth IRA with Vanguard. I deposited my $7000, and promptly bought, 60/40, VTI, Vanguards total stock market ETF, and BND, Vanguard’s total bond market ETF. During September, 2021, I added some shares in Apple (AAPL), and by September 30th, my $7000 was now worth $6,566.46….