Wayne,

Couple things,

I left Large Caps out because they are already covered in my Wife's 401K plan. - VINIX Fund - Don't really have a choice to move to anything else there.

I am not really afraid of having a Tax Bill from withdrawing from IRA accounts. I am not planning on withdrawing from the Tax Deferred Accounts for 20 Years. My wife has a large enough income right now that I am looking for the least Taxes to pay for the next 10 years. So I am going for Max Capital Gains.

I look at a Large Tax Bill as I nice problem to have 20 years from now. That will mean I'm doing just fine! I am not fond of Capital Gains Losses to use as deductions