Thanks for your help. I guess I didn't make myself to clear. I am very new to all of this. I am planning on long term investing. Considering Vanguard Total International Stock Index Fund (VITSX), Vanguard Total Bond MarketIndex Fund (VBMFX)& Vanguard Total Stock Market Index(VTSMX).Not sure on amounts & if I am missing something or better to only have VTSMX. I'm still researching. Any comments would be appreciated.Thanks again for your help.