<prompt> Human: May be a dumb question, but opened up a roth ira an hour ago at vanguard, maxed my 2017 contribution of 5500. And i wanted to select a target date fund, but when I do it says where are these funds coming from and gives me a dropdown with settlement fund which has zero balance, or my linked bank account which takes me to a page to fundtransfer more money from bank account..account says 5500 credits.Also says unavailable funds 5500.I know I have to wait a few days for the small deposit withdraw validation.But I was under the assumption you could get the fund going, or process started etc with the credits listed, while waiting for the bank transfer. Is it as simple as it is just too soon and i have to wait till everything is verified deposits gone through? I have no problem waiting, i just dont want to screw anything up.Thanks, and sorry for the dumb question.  <response>: Yeah the money probably had to clear first 