<prompt> Human: First post on Reddit I am a 33 year old with a solid paying job and a fantastic 401K at work. My firm matches 10 of my total salary every year regardless of my contributions. I contribute 6 of my income to the 401k but also want to branch out and start learning the ropes of a Roth IRA. I signed up through Meryl Lynch and deposited my first 100. Now what? It looks like 100 is too little to actually begin investing, do I need to slowly save up 2,500 in my Roth before actually starting to invest? Should I drop ML altogether and go to another company that has better options for new small investors? Looking to the wisdom of PF for any guidance. Thanks - Fizz  <response>: My firm matches 10 of my total salary every year regardless of my contributions.Geezus, can I work there too? I signed up through Meryl Lynch and deposited my first 100.First, I would reconsider ML and go for Vanguard, Fidelity, or Charles Schwab. Second, if you havent done anything other than deposit 100 into your Roth IRA account, then its probably sitting in a money market fund MMF. Think of it as a holding account where you will then need to select funds to invest in. As always, low cost index funds are the way to go. Also consider that many funds have minimum requirements so you can keep contributing to your Roth IRA every month lump sum is better though until you hit a particular funds minimum and then invest into that fund. Target-date funds, life cycle funds, 20XX retirement date funds would probably have the lowest entry points. 