<prompt> Human: Im siding towards a Roth IRA at the moment because my yearly income is low 30k-40k and Id rather pay the tax upfront. Do you guys recommend any funds in particular?At the moment Im 20 and wont be touching this money till im 60 so Im comfortable with a moderate to potentially high risk fund.Any and all advice is appreciated - thank you.  <response>: I recommend the 2060 Target Retirement Fund Good job on getting started so early. 