<prompt> Human: I have a Roth IRA and brokerage account with Vanguard. My Roth is maxed out with a 2060 Target Date fund, whereas my brokerage is invested 100 in VTSAX I may diversify in the next 10-20 years, Im only 22. VTSAX has much lower expense ratios than my Target Date fund, so would it be better to just be more hands-on with my own portfolio going forward? I used a Target Date fund mainly because I didnt know how asset allocation worked, but Im starting to learn more about it. What do you guys think?  <response>: Target date is great for people who want to make an easy choice and forget about it for decades. 