Empty Account
Same freeze as the Roth, different tax end. The account is a bucket; the money inside is still cash until you choose what it holds. The Traditional IRA gives its possible tax break at contribution time and taxes withdrawals in retirement instead.
Every reader sees the same three categories. This page teaches the kinds — it never picks one for you. Picking one for you, from your situation, is what advisers are licensed to do.
One fund built around a year — roughly your retirement year. It holds a mix of stock and bond funds and slowly shifts steadier as the year approaches. Different companies run theirs differently and charge differently.
Funds that copy a published list — for example, a list of large US companies, or a list spanning the whole stock market — instead of picking winners. Usually the lowest yearly cost on the menu, because copying is cheap to run.
Cash-like funds holding very short-term loans. Steady value, modest yield, barely any movement. This is where uninvested money often sits — parked, not growing.
Settlement fund (core position), in plain wordsExpense ratio, in plain wordsContribution limit, in plain words
The Filled Plan pack, the first-account walkthrough pack, the first-30-days plan, the full catch-up tables, the decoder card deck, and the order workbook — one pack, one-time payment.