<prompt> Human: Within a year, I will likely have much more to invest, but for now I only have 3k to spare in a Roth IRA. From what it looks like, that is the minimum to invest in anything with Vanguard, and that the only fund available with them for that amount is VMMXX, a money market fund. Maybe I am not seeing other options for some reason?It appears to not be insured by the FDIC. Also appears to only have a compound yield 0.04? Is this in effect the same as 0.04 interest? I admit I am not very knowledgable of this. Is there nothing better I could be doing with this 3,000? Already fully funded 401k and emergency fund established. Just looking to broaden my investments. Thanks for any advice.  <response>: all of the targeted retirement funds VTIVX, etc are 1k minimum. also in your roth ira you can invest in anything, stocks, etf, etc. The VMMXX is I think primarily to use for your brokerage account not really for serious investment. 