Expense ratio 0.76% 5 Star rating from MorningStar Assest Allocation is ever changing the closer you are to the retirement date. A must have for your IRA with such low costs

Expense Ratio .37% 2 Star rating from MorningStar With a new manager at the helm who cut the stocks from 70 to 60 to gain more impact from the stronger growth dividend companies expect to see a strong foundation to continue. This one is solid for years to come. "Not only does this blue-chip portfolio have a higher average market cap than its peers but a significant portion of its holdings are trading below Morningstar equity analysts fair value estimates" - Morningstar

Exp Ratio .89 5 Stars Not for the conservative type- Manager is highly risk but has paid off with such moves as having 41% assests in emerging markets compared to the rest of the herd who averages only 10%.

Expense Ratio .19 4 stars rating Excellent long term holding because of the low turnover ratio, which also helps keep this tax efficient. New Manager in 2005 has to be proven first, but is keeping with the fundamentals and strong foundation.