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My husband and I are both 28 years old and interested in getting started on our retirement investment portfolio. We have $5000 to get started with and we'd like to divide this between a Roth IRA and a mutual fund account (going to grad school full-time this year, so not enough time to start with buying individual shares!).

My question is: what fund source should we use for each account? I'd like to fund one account with Vanguard's S&P500 Index, but which one? Should we fund both accounts with stock funds or fund one account with stock funds and the other with bond funds or balanced funds?

Thanks for your time - all advice is welcome!
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