<prompt> Human: I have been given 3k retirement money from my family and I have put it in a Roth IRA with Vanguard. I decided on a Roth IRA because I couldnt see any drawbacks. I did not realize, however, that there are a bunch of different funds within the Roth IRA that I have to choose from to invest in.For now, have put my money into the default Vanguard Prime Money Market Fund but that doesnt appear to have the returns that I was looking for. I could be misinterpreting what Im reading but it has extremely low risk and reward. Im looking for advice on where to put my money long-term.  <response>: A target date retirement fund would suit you perfectly. 