<prompt> Human: Im 27 years old. I had about 4000 saved in my 401k from my first couple years of working. I was not saving very aggressively and I lost my employer match would have been another 7000ish because I didnt work at my job long enough for the match to be vested. When I quit my last job, the 401k was automatically transferred to a rollover IRA with Merrill Lynch because I hadnt elected anywhere else to transfer the money to within 60 days- couldnt start contributing to the 401k at my new job until 90 days in.I think what I SHOULD have done was transfer that money in the rollover IRA to my 401k with my current employer but instead I moved it to a traditional IRA with Vanguard, where I also have my Roth IRA. So, thats happened, cant go back. My question is, whats the best thing to do with the money in my traditional IRA at this point in time?  <response>: Id much rather have the money at Vanguard than...well, than anywhere else. Just dump it in a target retirement, or total market stock fund. 