<prompt> Human: Just started working recently and I took a personal finance course in college. My plan is to split my Roth IRA savings money into 4-5 mutual funds OR put it all in a target date fund. I have been doing research on which company to do it with and came up with ETrade, TD Ameritrade, and Merill Edge. I just want to put in money monthly and watch it sit for a long time. Any advice on which to choose?  <response>: Vanguard, Fidelity and Schwab have some of the lowest expense ratio funds and no fees when using their funds. They all offer target date funds you can just put all your money into and they automatically rebalance as needed to keep you on track with the right asset allocation for your age and how close youre getting to your chosen target retirement year. 