Unfortunately on the sub pennies you wait 3 days to trade after the transfer, unless you have a margin account I believe. At least with scottrade. GLTA
Depending on how much you transfer, you can have the money instantly available for investment. However if you invest those funds you won't be able to sell until the money clears which normally will take 3 business days. If you have a margin account which I'm guessing you don't have because your a beginner, you can have funds available immediately... Hope this helps. PMCM$$