Hopefully I'm not beating a dead topic here, but I am preparing to make my first 401(k)contibutions. I'm 26, earn about 45k (i'm a paralegal, and generally supplement my 35k salary with significant overtime, although it is hard to predict the annual compensation ahead of time.)

First off, congratulations on making a smart move for your future. I wish I had the opportunity you have when I was 26.

As to your allocation: It should be a simple matter to compare the ten-year growth for all the funds you mention. If any of them beat the Total Market Index fund, I would be surprised. If one does, go for it. I personally prefer the Extendex Market Index fund (VEXMX) over the Total market. VEXMX is just the total market, less the S&P500 component, which makes it more volatile.

Good luck!

cliff