<prompt> Human: Ok, pretty noob at all this, but I currently have in my Vanguard Roth IRA:VSMGX LifeStrategy Moderate: 5000VTIVX Target 2045: 3000Is it goodbad to have both? Im reading something about three-fund portfolios and wondering if I should scrap this and go with VTSMX, VGTSX, and VBMFX instead. Kinda lost here.  <response>: Target date funds are an all or nothing. Just go all in with it. 