<prompt> Human: I previously had a 401k, my contribution was roth, and I recently rolled it all over to Vanguard IRAs. I now have a roth and traditional IRA. I have the money transferred over but now I have the money for both IRAs sitting in Vanguard Federal Money Market Fund. I had no problem setting up 401k allocations in the past but I am completely lost at how I can set up a three fund portfolio for my IRAs. Im lost on if im buying vanguard funds, selling vanguard funds, trading ETFs, tradings stocks and listed securities, tradings non vanguard funds, or basically any option under Buy and Sell. What would be the equivalent way setting up how I did my three fund 401k distributions? I went to Vanguard because no longer at previous company and went to Vanguard for the low cost index funds I think.  <response>: Do a Buy inside your IRA. In the search box add the code of the index funds you want to buy, like Admiral shares of VTSAX, VTIAX, VBTLX. Or their Investor class analogues if you have lower balances. Once you have added the fund to your list, you say how much of it you want to buy.Next box will ask you where the money is coming from. Choose From my settlement fund from dropdown. Double check that both boxes indicate you are doing this inside your IRA, and Submit. You get a confirmation.You can also do this with ETFs like VTI, VXUS, BND. With ETFs you would specify a whole number of shares. I dont know the details.Note: Your Roth account has its own Settlement fund. The process is same but youd be buying using the money there. 