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Bookm,

Thank you for your reply. Yes, I forgot to mention that I do not know the expense ratios (I can't find them in any of my materials), which I have learned is an important consideration. I do not know what type of fund the Special Opportunites, etc., are.

I have read that Bogle thinks that 65% S & P 500 Index and a 35% Bond index is a good idea. I think what I will do at this point is to continue to learn all that I can and then determine any changes that I should make.

Thank you again for helping me find a starting place in this neverending road of learning.

-MTBer
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