conversation: User (SaturdayCartoons): "I opened a Vanguard Roth IRA a couple weeks ago. I put in the maximum for 2015. My account currently says that all of the $5,500 is in "Short-term reserves". What do I do now?\n\n\nEdit: Thanks Everyone!! A lot of great advice, I appreciate it."
  Self: "VTSMX, after you contribute $5,500 for 2016, exchange into VTSAX."
  