<prompt> Human: Reddit,I need help deciding what is a good direction to head towards with my Roth IRA. I am 2 years out of college and have managed to max out my Roth IRA both of those years. Therefore, I have 10,500 in my Vanguard Roth IRA account, but it has literally been sitting there. I havent put it into anything, nor do I know what to put it into. This is terrible and embarrassing to admit, but this is where I need advice.I am very inexperienced nor knowledgeable with personal finance. I am new to reddit and have begun reading some of the advice posts, but am bad at comprehending so many different opinions. Please let me know what youd recommend to a 24 year old newbie and why ELI5 please...Thanks for your valued opinions.  <response>: What to do: Buy the targetdate 2050 fund.Why to do it: Because you have no idea what youre doing and the 2050 fund is designed for people who are your age and will be retiring around 2050. 