I got one for the first time in April and filled it up. It is now valued at 21,400. I’m new to all this and some are accumulating and some distributing. About half and half. I picked them initially but now I need to know do I do anything or do Vanguard manage it for me? I feel so silly I panicked when I got my lump sum and I’m in it for the long haul but I’m not sure if I’m supposed to be doing anything with it😣