<prompt> Human: I read all about 401ks, IRAs, and 403bs. ...Fees, tax deferment etc all swimming in my head. Im a state employee, but Ive read somewhere that many 403b plans have fees high enough that theyre poor investments. I see so many investment companies I could throw my money at that Im utterly stuck. Are there Robo investment firms similar to Acorns, but offering tax deferred investments? Are they a good option for someone who may only occasionally want to shift investment strategy? Is it possibly to start one with 100-500 bucks and contribute something like 100-200month? Thx for any advice!  <response>: Frankly, you sound like an ideal candidate for a target date fund. Put the money in, the managing entity does the rest. Read the prospectus and analyze the fees and ensure the risk profile matches your appetite but if youre a long way from retirement and generally not a super savvy investor theres nothing wrong with going that route. 