<prompt> Human: I have a ROTH that is like a money market account. I can hold any exchange traded security in it. I call my broker and place trades. What I dont like is any contributions or dividends sit idle until I make a trade. I much prefer how my 401k works where any new money is immediately allocated by preset percentages.I would like to start making weekly Roth contributions but I dont want that cash to sit idle and the transaction costs are prohibitive to do weekly trades. I would like the 50 a week to just be divided like 401k contributions are. That way my money is working sooner and I dont have to think about my Roth as much or at all. I may start a new hobby with all the time I will be saving not thinking about my roth so any hobby suggestions are welcome. Dont say golf. I hate golf.  <response>: Transfer your Roth to Vanguard, and you can directly contribute to mutual funds in your IRA. I think you can set up automatic contributions, but I think additional contributions need to be 100 minimum. Investing monthly which is what I do is pretty reasonable, depositing money each week seems like overkill. 