<prompt> Human: There are 19 options here on the paperwork that consist of: Vanguard Target Retirement income - VTINX ___Vanguard Target Retirement 2020 - VTWNX ___Vanguard Target Retirement 2025 - VTTVX ___Vanguard Target Retirement 2030 - VTHRX ___Vanguard Target Retirement 2035 - VTTHX ___Vanguard Target Retirement 2040 - VFORX ___Vanguard Target Retirement 2045 - VTIVX ___Vanguard Target Retirement 2050 - VFIFX ___Vanguard Target Retirement 2055 - VFFVX ___Vanguard Target Retirement 2060 - VTTSX ___Morley Stable Value Fund ___Vanguard Total Bond Market Index - VBTLX___Vanguard 500 Index Adm - VFIAX ___Vanguard Growth Index Adm - VIGAX ___Vanguard Value Index Adm - VVIAX ___Vanguard Mid Cap Index Adm - VIMAX ___Vanguard Small Cap Index Adm - VSMAX ___Vanguard Global Equity Fun Adm - VHGEX ___Vanguard Total Intl Stock Index Adm - VTIAX ___So, Im not sure what any of those are, or what would be the wise choices to invest my money in. Thanks! Edit: Incase it is important, I make roughly 40,000 a year currently.  <response>: When in doubt. Invest 100 in your target date fund. If youre 24 then that would be the 2060 one 