No. of Recommendations: 0
Welcome to the board, Mhorem.

Fools generally think you should be 100% in stocks at least until you get close to retirement so don't consider bond funds, money markets, or any kind of guaranteed income fund. The basic Foolish stock fund is an S&P Index fund--expecially Vanguard 500 Index fund.

It is not obvious from your list which if any is an index fund. BlackRock could be. So you will have to check them out on Morningstar and ValueLine available via the finance page. Compare all of your investment options in these sources to see how they compare to indexes in performance and compared to other similar funds. Also look into their loads, expense ratios, 12b fees etc. Make sure whatever you choose is at least a good as an S&P Index Fund in terms of bottom line performance. Those with a long history of beating the S&P can be OK, but other wise be cautious and chose the S&P Index fund if you can.

Some would recommend you diversify away from the index funds with a split of 70% S&P Index fund, 15% international fund, and 15% small cap fund. This is supposed to give you some protection against a market downturn with minimal cost on the upside. I rate is as conservative. Fools believe that a market downturn will not last more than 3 years. Therefore, if you take the long term perspective, diversification is not necessary--especially if you are not close to retirement.

Some would suggest you be a bit more aggressive by putting a portion of your investments into hot sector funds. Hot ones at the moment are technology stocks, NASDAQ Index funds (or QQQ, XLK, etc), and Japan funds (EWJ). You pick for you. One of these could be up to about 20% of your investment if you are aggressive.

You have to decide what is best for you and what you are comfortable with.

Best of luck to you. Feel free to ask again if you need clarification on any aspect.
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