<prompt> Human: 33 years old and I finally started contributing to a Roth IRA with Vanguard, 200 automatically from every paycheck. My 401k is also through vanguard and I am invested in the target date 2050 fund. About 60k.My question is should I invest in the same target date fund 2050 for the Roth or something completely different through vanguard?  <response>: Thats completely appropriate - your entire portfolio will be balanced to that asset allocation. You can comfortably set it and forget it.If at some point in the future you have the desire to get more actively involved in your investing, you can do so easily, but this is a good choice and not really one that you should feel pressure to change. 