<prompt> Human: Im 27, I make 95,000 a year, and I just inherited 250,000. Per the prime directive guide: Im already debt free Got my employer match Maxed out a Roth IRA Working on maxing out my 401kIve set up accounts at Fidelity to handle my investments, and I met with a Fidelity guy. When we spoke previously, he seemed very non-opinionated about active vs. passive I get paid the same whichever you do etc.. Today, when we were actually going over details, he was: extremely reluctant to give advice constantly emphasizing just how much work it would be to manage it myselfObviously hes got an axe to grind as a Fidelity employee, whether he gets a commission or not. But since I am pretty new at this six months ago my 401k was in its default configuration and Id done zero investing at all, Id like to know what PF thinks.My understanding was that the best thing I could do, being a young person with money he doesnt need any time soon, was to put it mostly in a couple different low-fee index funds, then adjust every year or so to put a slightly bigger percentage into bonds. And it seemed like doing so would be reasonably straightforward -- just pick a couple domestic and foreign index funds and Im done. Am I missing something?  <response>: Fidelity has index based target date funds - all the management you need with a very low ER. 