<prompt> Human: I am considering put the max into a vanguard roth ira for both last year and this year. Any suggestions for which funds to choose and the mix? Im leaning towards index funds and at first was just thinking about going with their SP because its all a bit overwhelming and I know very little. After looking at the current make-up for the 2045 and 2050 aim retirement funds Im thinking about putting something into VTSMX or VGTSX. Is now even a good time to open an ira with index funds? Ahh...thanks.  <response>: I just invested in VFIFX for my Roth IRA.This is a target date fund with a VERY low expense ratio 0.19. This should get you a good mix and evolve over time with a completely hands off approach. This will keep you diversified and not overly exposed to stocks. 