<prompt> Human: Im currently 23 and after graduating college recently, I decided to do the whole adult thing and opened a Roth IRA with TD Ameritrade.Every paycheck I put 200-300 in there to buy some ETFs Commission Free.The one I settled on was VYM After this however, I then realized, I should probably diversify and not just go with domestic ETFs. After researching, I found out about VWOSo I bought a share of it because it was the most I could do now.However, now that payday has come again yesterday, I put in 300 and am debating what to do with it.I was planning on buying 8 more shares of VWO, bringing my total IRA allocation to 12 shares of VYM and 9 shares of VWO.Is this too large or small of a diversification.Or does it not even matter when my IRA is only worth 1,200?Thanks!  <response>: You are optimizing some very small quantities at this point. One share of something is not very much potential gain.You may just want to go with the target date retirement funds at this point; that will handle diversification for you without you having to worry about managing the individual ETFs. 