<prompt> Human: Hi folks, thanks in advance for your input.Some background:Im 23, graduated in December 13 and started working full time 331 in Texas. 40k salary with 2k quarterly bonus not guaranteed but has been fully distributed 13 straighter quarters. Employer currently matches 4 401k and will match 8 after a year; I contribute 15. Currently live at home for 250 a month, includes all possible housing related expenses util, internet, etc and own my own car little 2009 hyundai accent; reliable, good mpg. No other notable expenses outside of car insurance, food, gas and entertainment. Currently hold about 3k as an emergency fund. My question; as Im at a comfortable spot financially and knowing that the sooner you start the better I opted to open a Roth IRA, choosing vanguard for their solid reputation and low expenses. Knowing theres some flexibility with assets in an IRA I simply chose a vanguard target retirement fund off the bat, contributing the 1k minimum with the plan to set up monthly contributions after I do some budgeting, probably 100 or 200 to start.Is a target date fund a poor choice? I was looking for something that required little maintenance on my part, and the logic behind this kind of fund seemed right up my alley. Its the 2055 Vanguard retirement fund; 90-10 stock bond split which seems like the right amount of aggressive. But could a little bit of extra work on my end reap larger dividends? Please let me know your thoughts!  <response>: That fund is a good choice. You dont need to change anything. 