Ok. I'm a little uncomfortable but think I made a decision between good investmet choice and a good investment choice. I just opened a Roth IRA with Vanguard and contributed $4000 for 2005 and $1000 for 2006. It came down to TR2025 or STAR funds. I picked STAR. Guess I was going for as much diversity as I could with the limited amount of investment $$'s. Did I do good?