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Old 06-15-2007, 08:14 AM   #2
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Join Date: May 2005
Location: DFW
Posts: 6,334
I'd go with the US Equity fund, assuming it's a total US market fund, as its name implies. This will give you the widest diversification. You might look for an international fund among the choices.

As for bonds, at age 21, I'd say none to 10% max. Your balance is low, your time horizon is long; not much need to worry about safety or dampening volatility.
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