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Hello the donga, an S&P 500 fund is an excellent choice as the core holding in most anyone's portfolio. And once you have a solid amount in that holding, you may want to research whether or not to begin to diversify your portfolio with a mix of one of several other asset classes and styles, such as mid-caps, small caps, bonds (at a later age IMHO), international, etc. What you need to do is do some reading and come up with an asset allocation plan of your own that suits you. There are several sources on the web to give you a generic look at options, like asset allocation calculators (I believe Vanguard's website has one). You may also want to use mutual fund area as a place to research each of the mutual funds you mentioned. But, IMHO at your age, a healthy allocation to equities should be very important, if your can tolerate the risk of investing in equities.

You could also use the search feature at the top of the page for more insight on diversifying. Just type in diversify, of asset allocation, or something similar, on this or say the Index Funds message board, and you should have your self quite a bit of reading to go over to help you decide what's right for you.


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