[jmxthievez]

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Probably something like the following for a decently diversified portfolio.

60%Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)
40% Vanguard Total International Stock Index Fund (VGTSX)
Or if you don't want 100% exposure to stock just cut about 10% off of both of those and put 20% in something like Vanguard High-Yield Corporate Fund Investor Shares (VWEHX) a high yield bond fund.

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thanks, will definitely look into this. I would really appreciate it i you could post your reasoning for selecting these funds whether it be a short blurb or a link or something. i.e you are 21, you can take some risk, therefore you should have over 50% of your money in x,

just so i can see the reasoning of you experienced investors, thx again.