<prompt> Human: In April I opened a Roth IRA with Vanguard. I have not moved anything or bought anything, all I have done is edit the asset mix which I dont even think does anything. I did not realize how financially and technologically inept I am until now apparently.I am going to reference this a few times.The first two pictures show the asset mix currently being 100 short term reserves. I changed it to bonds and stocks, but I just realized that is only a goal I set, correct? Changing that didnt actually change where my money is at all. The third picture is where my main questions begin. I want to buy Vanguard funds correct? Thats essentially taking the money I deposited and actually investing it. Please advise if the last picture is how to most effectively invest my money. That fund is what someone else recommended on another post and I know nothing about what fundsstocksetc to choose. I dont need to put the money in anything else right? My understanding of a target retirement fund is itll change over time, right now being invested in mostly stockshigh risk-high reward options. Over time it slowly becomes less risk oriented. Or do I only put a portion of the money in there and the rest I should go to the but ETFs and stocks option? Please ELI5 for all responses. My head hurts  <response>: Vanguard is also fairly unintutive from a UI standpoint so step by step below on how to put it into a target retirement: Log into your account Go to My Accounts Menu Click on Buy Sell Click Buy Vanguard Funds on Wheres the Money Going check the Add another Vanguard Mutual Fund type fund name for Target 2055 type VFFVX in box that appears in the Buy in Dollars box type in however much youve currently given to vanguard and is sitting in Settlement fund or in Short Term Reserves In Wheres the Money coming from? Select My Settlement Fund Click Continue Fin. 