<prompt> Human: Im 29 years old and outside of my cash savings of 15,000, 401k pension of about 120,000. My Roth IRA is currently at 13,935.16 and my other investments mostly dividend stocks are valued at 14,435. My only debt is my car note of about 4,000 and my mortgage of 240,000 which is shared with my brother. My credit cards are paid off each time I get paid.I currently have a Roth IRA fund setup through Vanguard. I am currently investing in VEXMX. I have contributed 13,650 and have had gains of 285.16, this is a 0.1 return. This is a level 5 the highest risk fund per Vanguards rating system. I was suggested to this by a friend who has more financial knowledge than I do. I dont know if this is good, about standard, or horrible. I dont even know where to begin to look for funds, or things to invest in; theres so many, its overwhelming. Should I look for something else? Should I leave it where it is? I know I am young, but I would prefer to error on the side of playing it safe.  <response>: If you want to be passive about this account just put the money in and not worry about it, then a target retirement fund might be a good idea. Just think of the year you are retiring, and pick the fund that is nearest to that year. They then invest your money in varying amounts of risk depending on how close you are to the target date. 