<prompt> Human: Which is best to invest in? I have 4,000 to contribute. The Total Stock Market Index has a 3,000 minimum and the Target Date has a 1,000 minimum. Should I put all my money in one or put in the minimum for both?Thanks!Update:Thank you all for the great responses! From your answers, it looks like I will definitely be doing the VFIFX Target Date and once I have enough returninvested more will look to invest in a 3 Fund Portfolio.I realize now that I may not have put enough info in my question, so heres a little more:-This will be in addition to my work IRA I have a Roth with them in a Target Date managed by Goldman Sachs, they match a percentage but what they match goes into a Standard IRA so it is split.  <response>: The Vanguard target date funds are fine for most people. They automatically rebalance and reallocate for you. 