<prompt> Human: Im 21 and want to start putting some money into a Roth IRA but I dont know enough about investing to pick my own portfolios, sharesstocksbondsthings. It seems target date funds are the set it and forget it type of deal here and Id like to start there. A lot of the comparisons of the 3 major brokerages? Vanguard, Fidelity, Schwab Ive seen here mention things like fees and low cost ETFs and most of it tends to go over my head. Is one a clear winner for my case or is it still a cant go wrong with either of them situation?  <response>: Vanguard has more automated investment schedule options than fidelity so Id go with them. Not sure about Schwab tough. Fidelity only lets you pick specific dates in a month, if you get paid bi-weekly so the date changes every month you cant just simply set up something to invest money every time you get paid. 