<prompt> Human: Hey PersonalFinance,Looking for advice on what funds at Vanguard you would recommendLooking for recommendations for both:1. General investing2. Roth IRACurrently have money in VFINX, an SP 500 index fund for my general investing account. Wondering if there are additional options that may be worthwhile. Are there any funds that provide better yields or lower maintenance fees for higher deposits? Also, any recommendations for the Roth IRA? Ive been looking into the Target Retirement funds. Wondering if anyone has input on those or possibly other recommendations for the retirement category  <response>: Target Retirement funds are for if you want to set it and forget it. If youd like a more hands on approach a standard three fund would be:VTI 40VXUS 40BND 20You could also diversify the bonds in international with BNDX if you wanted to.I suggest ETFs over mutual funds as you get the same lower maintenance fees of Admiral shares without the minimum requirements. 