<prompt> Human: So Im 20 yo working at minimum wage and just opened up a Roth IRA about 6 months ago. Ive been putting in all of my income 4500 so far for 2014 year, still contributing into the Target Retirement 2060 fund but was looking at some of their other funds out of curiosity and the returns from their health care VGHCX stood out to me. The return is massive and its tempting me to invest in it. The thing is that there is a 3000 minimum investment and I had also read that its better in the long run to pour all of my contribution into the target retirement funds. If I were to invest in their health care fund, Id be exchanging at least 3000 from my target retirement fund balance. So whats your guys inputadvice? EDIT: Alright, thanks all for the advice! Ill be continuing to contribute to the target retirement fund for now. Ill look into the health care or other funds in a few years when my overall balance is larger  <response>: Your target retirement date fund is made of 4 index funds. Total Stock Market, Total International Stock Market, Total Bond Market and Total International Bond Market.The Total Stock Market fund is the biggest portion of your Target Retirement Date fund, and about 13 of that fund is invested in healthcare stocks that make up the VGHCX. Healthcare is the 3rd largest US sector you are currently invested in, just behind Financial Services and Technology. So in short you dont need to invest in that fund because you are already invested in it. 