<prompt> Human: Last April I started a Roth IRA with Vanguard depositing 5500, then another 5500 for the current year. I chose a Target Date fund, because I did not know what else to do. Now, I am thinking about VTSAX, or VOO - now that I know that is possible.I have a 403b which I aim to put 16500 - 18500 in per year, after maxing out the Roth. My employer contributes 3 of my income to the 403b at the end of the year, whether or not I contribute anything.I am 47 and gross about 60,000 at the 403b job, and I have a part time job where I gross about 7,000. I rent, have no debt, no hope of buying a home in my city, and a 3 month emergency fund.403b Roth 170,000 now.I am easily 20 years away from retirement, and am thinking that higher riskreward in the Roth account might serve me best, as my goal is to save enough in the 403b for a reasonable retirement. But - I dont think this is a traditional move for retirment funds, so - would be very interested to hear from more educaredexperienced planners on proscons.thanks!Assistant: Somewhat of a similar situation but the target date fund has a good chunk in the emerging markets which took a beating this year. Dont want to buy high, sell low and all that. Just going to wait this bubble out and rebalance later, SP feels too expensive now to go all-in. Human: Vanguard also? My target date is 2040. If you have tried talking to a Vanguard advisor about investment options? Whats your experience been? I have not talked to them about options. As I have only 6 months in the fund, and have had a positive return, I cant worry much about selling low.As to the SP being high now - yes, very... not sure how much to take that into account, though  <response>: You dont need to time the market with retirement contributions. You need time in the market. Either option is good, it just depends on your risk tolerance and whether you are a set it and forget it type person. 