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.