Its said vanguard offers good index mutual funds with low expense ratios. While that is true, there are couple of things about vanguard that I don’t like. 1. for IRA (roth) you need to keep above $5K and for index Fund you need to have atleast $10K in account. I invested the money equally among naesx and vhgex Its been about 3 months now and I am unhappy with the performance of naesx. Vhgex is a more Broader Fund and I can live with its return. The bigger question is that I hear reports that the bull run is ending. After all it started in 2003 and can not go on for ever. Assuming that the bear is coming, I think putting money in a broader fund would be a better choice. I need to do more research before I make the final call, but I sure am tending towards it.