<prompt> Human: Hi! I opened a RothIRA account under Fidelity, and Ive put 1000 into it which is what i can afford to put in right now. I am currently 21 years old. I understand that Im supposed to invest the 1000 now into SOMETHING. However, it seems that there is a 2500 minimum to many of the portfolios on fidelity.1. Am I supposed to just let the money sit until I have the minimum 2500 required to invest in something, or is there anything else I should be doing with it right now? 2. Does it make a difference if I invest my contributions at the end of the year vs as soon I have the minimum amount? 3. What investment in fidelity do you recommend to someone who knows little about building portfolios, and would prefer not to think too much... ?Sorry if my questions seem repetitive of other posts, but I am very much at a loss. I have tried my best to do some readings and have been lurking around, and finally made the move to open the account despite I guess not fully comprehending the exact steps, but am confused how to proceed from here with the 1000 I have. I am also a little confused by the UI of the fidelity website. I opened a roth ira account, but if I were to invest the roth ira in a mutual fund, do I have to open a mutual fund account thats how it seems?  <response>: My understanding is that whatever money you put into your Fidelity Roth IRA sits in the Fidelity Government Money Market Fund SPAXX until you invest it elsewhere, which means that its still doing something, just probably less than it would be if you were to invest it elsewhere in the market. 