<prompt> Human: At my fathers insistence, I deposited 3000 into a Vanguard IRA Brokerage late March. I checked the account for the first time and its grown by a whoppin 18 bucks. Is this normal? Is this the right account for me? I am 24 and make 57,500 full time. I put in 5 in the my 401K and employer matches 4. Is this enough for retirement savings for now? My dad wants me to open all kinds of mutual funds and it just makes me stressed and nervous having money in different accounts. Edit: Duh, I didnt actually invest it into anything. Thanks guys. This makes sense. So now I need to put it in a growth account? How do I do that?  <response>: Youre in a money market account, most likely. You want an IRA to be in stock funds. You have to direct the money to the fund you want by instructing Vanguard directly. The broad market was up around 20 this year; your 3,000 would have been worth around 3,400-3,500 by now if it were in equities. 