[RWebb]

for mutual funds, get these from Vanguard:

27% Capital Opportunity or the Odyssey fund that is similar
22% Selected Value
16% Dividend Growth
13% Growth Index
11% International Explorer
5% Health Care
6% Short Term Investment Grade

you will need to rebalance that periodically - every year or so by folloiwng a guy with a proven track record on Vanguard Fund selection, Dan Wiener

over time, his record beats an index fund which is another option