<prompt> Human: I am not eligible to invest in a Roth IRA and I am already maxing out my 401k. I know that there are a series of target funds such as the Vanguard Target Retirement Fund. Am I able tois it worth it just to invest in them directly via an individual account as mutual funds or are they really only beneficial for people who can invest it as Roth IRA.  <response>: Follow the Backdoor Roth IRA contribution method if your income is too high to contribute directly.If you still have money to invest after youve maxed out the contribution limits on all tax advantaged accounts 401k, IRA, HSA, etc. then you can invest within a taxable brokerage account. 