An S&P 500 fund and a large cap growth fund are 99% correlated. They're going to perform almost exactly the same over any lengthy period of time. The first thing I would direct you to or somebody that you are trying to help is a nice little article for Michael Kitsus called the four phases of saving and investment for retirement. And so there are four quadrants or places you can be on this map: earn, save, grow and preserve. That is the straight stuff, Ofunkmaster.