[Fern]

Although Sweeps' allocations are aggressive (85% stocks), for your young age that sounds about right.

I might note that some people quesiton whether internatoinal diversification really means anything anymore since in the recent past international stocks have risen or fallen in tandem with US stocks.

Don't forget to keep an eye on annual charges in addition to the overall allocation. And try taking one of those risk tolerance quizzes found on many of the mutual fund websites to make sure you can handle above average volatility without panicking, otherwise, you'll end up selling at precisely the wrong time.