<prompt> Human: For more info, I am 24. Planning on going back to school next year for a post-grad degree. While Im there I should still be able to keep maxing out my Roth IRA.  <response>: Target date retirement funds like this one are meant to be a simple, one-stop shop for retirement investing. They are broadly diversified with a risk profile that automatically adjusts as the target date for the fund approaches. Youre fine to invest all of your money in that fund. 