No. of Recommendations: 0
Hey, Joe.

Check out this piece Morningstar did on investing via TIAA-CREF:

http://text.morningstar.net/cgi-bin/GetNews.exe?NewsStory=Ms/ThisOldPortfolio/TeachingTeacher/teachingteacher1.html

The Russell 3000 is a broader market index, and not necessarily "worse" than an S&P500 index. It will give you more diversification, so it'll look "bad" in years the S&P500 soars, but it'll look a lot better if the S&P flounders (relative to smaller cap stocks). I'm a fan of indexing (rather than individual funds) and the allocation youve described (85% R3000 index, 15% international) sounds pretty reasonable to me. Of course, remember that free advice is worth every cent you paid for it ;)

cheers,

Sandeep
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