<prompt> Human: I currently max out my 401k contributions in vanguard and have 100 in the 2045 target fund. Im looking into setting up a backdoor IRA in that Ill start contributing to a traditional IRA and immediately converting to my Roth IRA. My question is, would it be foolish to have my TraditionalRoth IRA 100 tied into the 2045 target fund? Im not a savvy investor and want a low-touch, reliable, set it and forget it situation, which is why the target funds are appealing to me, however I feel like all my eggs end up in the same basket if I put both my 401k and IRAs into the same mix.Any advice or recommendations would be really helpful. Thanks!  <response>: No its perfectly fine. I put 100 of mine into an SP 500 index fund. No need to worry. 