<prompt> Human: RESOLVED I recently opened a Vanguard Target Retirement Fund, at least I think I did.I opened an account from the Target Retirement Fund page on Vanguards site, chose Traditional IRA and funded 1,000.00 from my bank.When I log in, it just shows the 1,000.00 sitting there. Do I need to do something? I thought this Fund basically did everything for you. My account name says Traditional IRA Brokerage Account. Did I not open a Target Retirement Fund properly?Sorry for this supremely basic question but I am not investment-savvy and could really use some guidance.EDIT: Ive done it! Thank you all for your help. In accordance with what many of you said, I simply needed to buy into the VFFVX fund with the 1,000.00 sitting in my money market account.  <response>: OP, youve got to buy the fund. Right now, your 1000.00 is just sitting in a settlement fund. 