<prompt> Human: Hi guys, I have lately been wrapping my head around investing. And through research come to the conclusion that I am not smart or have time enough to beat the market, nor gain the necessary info about the stock market to venture into it on my own.I thought about getting into an actively managed fund, but through research I have learned that this ism the ideal way.Passively managed index funds came up as the best option these days, so thats the way I think I want to go. But my question is, should I diversify between multiple index funds, or is the fund itself diversified enough?Ps. Im 24, already saving up for my retirement through my paycheck, and own a house that is 33 paid off inherited money.Got a 1 student loan and a 0 car loan.  <response>: An index fund can either be quite diversified like a target date fund or, well, not industry-specific. If you want to set it and forget it, a low-cost target date fund is exactly what youre looking for. 