<prompt> Human: Hey guys,So I put the maximum in a Roth IRA from vanguard 5.5k near the end of November. I was expecting to see an increase around the new year, but Im new to investing and this retirement fund stuff and Im not sure if I did something wrong.I only saw an increase of .05, so now i have 5,500.05. Was I supposed to direct that money into stocks and bonds on my own? I was under the impression that was all handled automatically for me. Like Id just sort of throw money into it and it would grow annually.  <response>: My first contribution at 5.5k towards my Vanguard Roth IRA was 12314. All of it went to Vanguard Target Retirement 2055. As of now, its at 5,479.77 lel.So technically, it would have been better for me to leave it in the Money Market Fund.I contributed another 5.5k yesterday for 2015. Good luck to all of us! 