<prompt> Human: A friend told me this is the place to ask, I hope this is an appropriate place for these kinds of questions. A little background:I worked at a company that had a 401k with fidelity. I accumulated 26,000 in that account. I left that company and did a rollover into a IRA at fidelity. Im not sure why I did this, it just sounded like the kind of thing youre supposed to do. I have a 401k at my new company which is through Vanguard. Theres about 11,000 in that account which is all in a Target Retirement fund. Is that a good idea?I moved my IRA from Fidelity to Vanguard. Again, dont know exactly why, except I heard Vanguard is good and it seemed easier to have all my accounts in one place.When I log into Vanguard there is a Rollover IRA with 0.00 in it. Theres a Rollover IRA-Brokerage Account which has the 26,000 invested in all the same things it was invested in at Fidelity FUSEX, FSTVX, FBIDX. I have only a vague idea what those are and no idea if those are the right things to have my money in, I mustve picked them a few years ago. Should I exchange these for Vanguard funds or something else? How would I do that?Why do I have two Rollover IRA accounts at Vanguard? Whats the difference? I dont know if my IRA is a traditional or a roth, how do I check? Which one should it be?What else should I know? Im sure there are questions I should be asking that I dont even know enough to ask. Thanks for your help!  <response>: The two vanguard accounts work like this:Rollover IRA: A vanguard fund account. In this account, you can only buy Vanguard mutual funds.Rollover IRA-Brokerage: An account where you can invest in equities other than vanguard mutual funds: stocks, ETFs, mutual funds from other companies. The reason all your money is in this account instead of the other one is because you money is in funds that arent vanguards.These accounts are linked and money can be transferred between them. When you sell the stocks, ETFs, external mutual funds, etc. from the brokerage account, it should put the money into a money market fund in the other account, which you are free to move into vanguard mutual funds. If you want to buy equities that arent vanguard mutual funds again, it will take the money from that money market fund and move it to the brokerage account.Also, the account names should have Roth in front of them if they are Roth. Otherwise I think you can assume they are traditional accounts. 