Retroviruses are enveloped RNA viruses which can transcribe RNA to DNA and integrate into the chromosomal DNA of their host cell. Heritable integrations give rise to endogenous retroviral sequences (ERVs). The rest is exogenous, infecting from individual to individual. This survey highlights an emerging scenario in human retrovirology. Humans have thousands of distinct ERVs. Although most are damaged by mutations, many are expressed as RNA, a few also as proteins and viral particles. The latter are not known to be infectious. Obviously, human ancestors encountered many different exogenous retroviruses, some of which may still be extant. In fact, an exogenous retrovirus related to ERVs was recently discovered. It is the fifth human exogenous retrovirus, human retrovirus 5 (HRV-5). It succeeds the two human T-lymphotropic viruses (HTLVs) and the two human immunodeficiency viruses (HIVs). The newly discovered endogenous and exogenous human retroviruses are now being investigated for association with disease. There are indications of selective ERV activation in multiple sclerosis, schizophrenia and seminoma. HRV-5 has been associated with rheumatoid arthritis, systemic lupus erythematosus and non-Hodgkin lymphoma. It is not yet known whether these first observations signal a pathogenic role for the newly discovered retroviruses.