<prompt> Human: I have my Roth IRA through Vanguard and I am hitting a bump in the road, so to speak. I am trying to decide between nbsp;- VTSMX and - VFORXnbsp;Each of them have about the same amount of risk, except the Total Stock Market Index Fund has more growth and a higher price. Im wondering how do I pick between the two funds?Assistant: VFORX is more diversified. Id go with that one unless you want to construct an asset allocation yourself. I wouldnt put 100 into VTSMX US stocks. Human: Could I just put 100 into the target fund since it is pretty diverse?  <response>: Yes, this is what I do. 