<prompt> Human: When I was younger, my friend asked me to invest in Primerica. He was new to the role and I opened an account through him. This isnt my primary source of retirement and it only had 20k in it. He has since moved on from the company and I didnt see a reason to leave it there. I requested a transfer to Vanguard and it has since completed. I now have a Vanguard account with 20k in a Roth IRA in the following funds:SHRAXSHFVXSHAPXI am mostly financially illiterate. I love this sub and read the advice often. I am doing my best to move toward retirement. I would love advice on a set it and forget it approach with this account. I want to setup an auto-deposit and just have it do its thing with my leftover disposable income. I do not plan on using this as my primary source of retirement income as I have a pension and a solid 401k plan through my employer.Should I just leave the funds as they are?Should I select something else?Really, any type of advice is welcome and appreciated. Edit: I am 37, and honestly dont think I am extremely risk tolerant. Thanks to those that responded already!  <response>: The funds you have are pretty expensive in terms of expense ratios.If you want a set it and forget it approach, take a look at Vanguard Target Retirement funds such as VFORX, VTIVX, VFIFX, etc.. Those will automatically rebalance as you age. Note that your choice of which target fund depends on in what year you plan to retire. 