I'm so sorry in advance. I'm sure this is a ridiculous question. I recently opened a Roth IRA on Vanguard with $3,500. Then I bought $3,500 of a Retirement plan mutual fund that states it invests its fund 90% equities, 10% bonds. But on Vanguard my portfolio shows I have 50% in short term reserves. But all of my $3500 is in the mutual fund. Does that mean the fund is keeping 50% in reserves? And why?