Because they are still very young, I believe the larger portion of their porfolios should be in the broad-market stock fund (VTSMX). This is the risker of the two, but that's what youth is all about - they can stand the risk. It's a tradeoff - generally speaking, more risk equals a higher return over time.Hmmmm. I am much older than they, and I have approx. 10% of my money in VEXMX, "riskier" yet.cliff
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