<prompt> Human: Hi rpf,I posted a _very_ similar post a couple weeks ago and got a tip which Ive included in my financial planning, i.e. opening a Roth IRA for my wife as well. Im hoping this time I can get some guidance on picking funds.Bellow are our details: 26, Male, Married. Im the breadwinner. Currently she doesnt work, once she does well most like put her income towards a house down payment. Income: 6Kmonth after taxes and 401k contribution set to be maxed out every yearMonthly Savings: - 500 to vacation fund- 1400 free to investMonthly Expenses:- I prefer not to outlines these. We have control over them and are focusing on reducing our rent by moving somewhere cheaper.Debts:- None. Just paid of everything weve owed last month. Yay!Assets:- 17K in our emergency fund. 6-months worth of basic expenses- 16K in i bonds. This is starting to look like our savings for a down payment, well be dumping more money through the years in this.- 50K in 401k. The fund I chose is one of Vanguards target retirement funds.- 1.5K in vacation fund- 1.5K in household goods fund savings towards some furniture pieces we are missingreplacingAs you can see, theres 1400 which free each month.What Id like to do is open a two Roth IRAs; one for my wife another for myself. Im having a hard time picking the right pair of index funds.Should I just keep investing in target retirement funds, similar to my 401k? I feel like this might be a stupid idea given my 401k is already tied to itMaxing out the Roth IRAs would leave me with 440 each month. I think Ill put this amount towards the down payment as well.Any guidance is appreciated.Thanks!  <response>: Using all of your tax advantaged savings space is a smart long term plan.A pretty standard aggressive allocation for a young guy investing for the long term is 70 US equities and 30 foreign equities. Some say 8020, or 7525, but you get the idea. Generally, young people with long horizons dont need a bond hedge, because you have enough time to weather up and downs to capture the overall return trends of the market. Id put 70 in VTSMX and 30 in VGTSX and forget about it for 5 years. 