re: VTSMX vs RALSX

You should take our advice with a grain since it's an internet message board. That being said, you're 25. You have plenty of time to recover if another 08-09 year occurs. It's shot up 9.2% over the last 3 weeks after the big dip we had a month ago. It will go up and down. If the total stock market doesn't recover from an occurrence like that, what can do? No one knows the future. I just converted my VTSMX into admiral shares (VTSAX). My plan is to branch out to bonds and other stuff after I build up a good chunk of VTSAX first.