<prompt> Human: I opened a two Roth IRAs for myself and my wife about two weeks ago. Started out putting 2K in each account. I cant even figure out what is going on now. The website says the money is in a Vanguard Federal Money Market Fund Settlement Fund. I dont know what that means, but it seems like its just a holding area, and I have to somehow allocate those funds myself? I cant figure out how to do that though. I have multiple times gone through their questionnaires to determine a target asset mix, but nothing seems to change with the account at all when I am done. Can anyone walk me through what I am supposed to do here? I am very inexperienced at investing, but usually very good at navigating websites and I cant figure this site out for the life of me.EDIT Found all the answers I was looking for. Thank you for your help everyone!!!  <response>: There is a way on Vanguards website to buy assets, but, if you are having trouble finding it, just call them up. Their helpful customer service people will be happy to guide you through it.Good luck. 