Lisa...Maybe a previous post I made on another board might be of help:http://boards.fool.com/Message.asp?mid=19817012I think that you may have your allocation terminology a little mixed up. Usually, we think of a diversified allocation as an appropriate mix of stocks and bonds (Basic allocation) - not stocks and mutual funds. The mix is determined by your age, tolerance to risk, and your long-term goal/s. A mutual fund could include stocks or bonds or a combination of the two (say a balanced fund or something similar).I guess I'm a little prejudice, however, I tend to like Vanguard and it's low expense, no-load, passively managed index funds. A good place to have a Roth IRA. (I'm beginning to sound like a broken record - sorry).Good luck to you! Read as much as you can about investment options and you are bound to do the right thing. Only you can ensure your retirement decisions will keep you secure in your later years.Regards,Bill
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