<prompt> Human: Up until today I always thought in a Roth IRA you just contributed money and it was automatically invested in some kind of index fund or something, I didnt know you had to actually choose what to invest in. Anyway, I deposited 500 to start. After a bit of reading I think Im gonna buy into Vanguard Wellington fund unless someone has a better suggestion . The minimum for that fund is 3000. Until I put the other 2500 in my Vanguard account what should I do with that 500? It will only be for about 2 months but Id rather do something than nothing.  <response>: Vanguards Target Retirement funds have a 1k minimum, and I would actually recommend those over the Wellington. My wife did the same thing. They should probably make things clearer for new investors. 