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I posted on one of the other forums here and I was told that before I contribute to my drip plans that I should max out my IRA. So I have now decided that I will open a Roth IRA as soon as I get $500. I will use for the commision free mutual fund purchase. I have been researching the Vangaurd funds for a while. How would this sound?

50% in VFINX(500 index fund)
30% in NAESX(Small-cap Value index)
20% in VTSMX(Total stock market index)

Does that sound ok? Any suggestions would be help full. They all have low expense ratios as well. Thanks a lot. Also...I'm only 20. Should I consider a different allocation or would this be fine. I don't think I will be able to make the full contribution this year, but I'll have fun trying. Thanks again

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