<prompt> Human: My wife and I 33 32 opened Roth IRAs before filing taxes this year. We should have done it years ago. We have 401ks, Traditional IRA, and I have a Simple IRA. We have accounts at vanguard with 5500 in each account. How do you guys suggest we invest this? We do not intend to touch it for 20-30 years. I dont want to actively manage the money. On a scale of 1-10 10 being aggressive Id like to be in at a 7-7.5.  <response>: After many hours of deep analysis, Id recommend a target retirement fund. 