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[quote=Anonymous][quote=Anonymous]op here again, sorry didn't answer your first question. we are looking for the biggest return possible. our  risk tolerance  is very high.[/quote]

Forget the Growth and Income fund and use the Vanguard Total Market index instead.  Half the fees and better coverage of the total US market.  The G&I fund is quasi active, so it's higher fee, but they haven't delivered any outperformance, so don't assume they will in future either.

Add in an international fund for diversification.  VFWAX is a good option.  If you really want to take risk for higher long term returns, add in an Emerging Markets fund/ETF (VWO is good) at a modest percent of your total allocation.

I think 50%-60% US is reasonable with 40%-50% in the non-US stuff.

You're young and seem to be on a good financial path, so I'm assuming this is all retirement funding, so just keep paying in, don't get cute trying to time buys and sells, add a little each month/quarter, and periodically rebalance the individual funds back to your target allocations (e.g., 50% US, 35% VFWAX, 15% VWO ... or whatever you think reflects your risk tolerance).

Over time, if you get more savvy about markets and cycles, you may venture into more niche and/or focused strategies to reflect your changing risk tolerance or desire to target different opportunities. (E.g., sector funds, small cap, high yield bonds, etc.). But for now you should diversify a bit, but stay all stocks, pick only index funds and be mechanical about how you invest.  Over time it will pay off, even if it feels like it isn't (the only time people really notice is during bad times, but the good outweighs the bad over the long haul).

Good luck.[/quote]

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