<prompt> Human: Age: 23 401KTSP: 0. Just started a job where I will contribute 300 a month maxing employer match Current Roth IRA: 0 Cash: 20k in high-yield savings, 5k in primary checkingsavings Bonds: 9.6k in series EE and I bonds, stretching from 1989 to 2003 Gold: 3.2k Debt: none Salary: 35k No plans to purchase a house or car in the next 5 yearsI plan to hold the EEI bonds until their varied maturity earliest 19, biggest would be 31 or until interest rates increase significantly, and hold onto the gold for awhile. I want to start a Roth IRA with 10.5k I have sitting in the high yield savings. Ive done the obligatory reading on bogleheads and other sources, and understand diversification, etc. Despite that, Im feeling inclined to start my Roth by putting the full 10.5k into vanguards Total Stock Market Index Fund Admiral Shares VTSAX When I can add more next year, I would buy diversify into international stocks and bonds. Being so young, I feel the risk is okay but wanted to bounce it off the collective wisdom. The 2055 targeted retirement fund would put me at 90 stocks anyways and has 3x the tpm.  <response>: Its never crazy to invest. I myself have my vanguard in the target date funds. Youre young enough for the risk but can you stomach seeing your investments drop a large percentage and not take them out? With the gold I would look at diversifying some into silver. I have a special liking for precious metals as well but I cant imagine putting all of it into one choice. 