<prompt> Human: Long time lurker here, first of all Id like to say thanks to all of those who contribute to this thread.I wish every adult was forced into getting this information, but until then I guess we will just have to go ahead without them ; Anyway the money is just sitting in a money market account because I had no idea in which funds to invest in. The only one I have in mind is the target retirement fund for 2060. Is this a good idea? Should I dump it all in that fund or diversify? Im also planning to put in 1,000 more before April 17 for a total of 4k in 2011 contributions and then get started on my 5k goal for 2012. Id like to make it clear that I have a very basic understanding of how all of this works and definitely plan to study up more. Thanks for the help!  <response>: Target date fund is a great option for this situation. Congratulations on getting started saving! 