<prompt> Human: I need to invest in a Roth IRA through Vangaurd, but with the stock market at an all time high, I need help picking one. Ive heard to go 45 International Stocks, 50 US Stocks, and 5 EFs. Id like to invest when something bad happens, but I doubt it will in the next month. Should I put it in VTSAX, VWO EMs, VTIAX, any better options for the time being?  <response>: If you are investing for the short term you should not be investing in a Roth IRA.Also, market timing doesnt work. You should pick an asset allocation and invest accordingly. 