1) Do-it-for-me (Target Date Funds)

Keep it simple: Select a simple yet diversified age-based T.Rowe Price Target Date Retirement Fund that is geared toward your projected retirement date. These funds may be a good alternative for investors who are not comfortable actively managing their account.

Target-date funds are designed to become more conservative over time and to be withdrawn over a long retirement period, but it does not consider your risk tolerance.