<prompt> Human: So Im finally able to invest the money 5,500 I put into my vanguard Roth IRA account! I was thinking of doing the 80 stocks domesticinternational and 20 bonds Currently 24 years old To my surprise all 3 investments I wanted to do requires a minimum of 3,000 each!The ones I wanted to invested in wasVanguard Total Stock Market Index Fund VTSMXVanguard Total International Stock Index Fund VGTSXVanguard Total Bond Market Fund VBMFXWhat would you guys recommend me do? Just put the amount in the Target retirement fund? Or invest the total amount into stocks?Thanks in advance!  <response>: Your 8020 target allocation matches the Vanguard LifeStrategy Growth Fund as long as youre ok with the 6040 domesticinternational split for both stock and bonds. This is probably ideal for you, at least until a few more years pass and you work your balance up higher.Edit: Others have suggested target date funds. Target date funds are essentially identical to LifeStrategy funds, in that they are fund-of-funds that is, mutual funds whose holdings are simply other mutual funds--you can see this in Vanguards Portfolio Management tab for any of the funds youre looking at. The only difference is that target date funds follow an asset allocation that change over time called a glide path shifting your investments gradually away from stocks and towards bonds to reduce volatility as you age and get closer to retirement. LifeStrategy funds, on the other hand, maintain a static asset allocation. Either way, the difference is probably minimal to you, especially if youre intending to build your own portfolio after you meet the necessary fund minimums. 