Yes,I am really lucky to catch you.

I am under 40 and I just start my career. So I think I have to work at least 20 yrs.

The reason they recommend me is : & is small amt(only 2010 one yr IRA), and diversity.

Many stock.

I perfer your 2, they said More risky because of no diversity.

I perfer steadly growing. of course, less risky( B<1)

 I plan to watch out 3 month and Plan to half yr or annual yr to evaluate perform.

I have time but only know very little about investment, I can do research by myself.

Later I have other prior yrs IRA hope to transfer in.