<prompt> Human: I started a roth IRA a few months ago. Yeah, I know its late. Im 34. Which funds would you recommend? I am particularly looking at Vanguard because I have a roth IRA account with them now. Will be looking to max out every year if possible, but will definitely tryOther non-vanguard fund ideas are also welcomed if you think they are better.  <response>: The target date funds might be a good option if you dont know where to start. For example, check out the Vanguard Target Retirement 2050 Fund VFIFX The minimum investment is 1k, so its a low bar to enter, the expense ratio is low 0.16, the fund is fairly diversified, it automatically rebalances, and the asset allocation changes over time to be more conservative. 