请帮忙评价一下My Fund Allocation:

请各位大侠帮忙评价一下下面的fund allocation:
(1) US Large Cap 25% [blend 15% (low risk/high return); growth 10% (average risk./average return)]
(2) US Mid Cap Blend 15% (low risk/average return)
(3) US Small Cap Growth 10% (low risk/high return)
(4) International 25% (Asia 15%; Europe 10%. Both are low risk/high return)
(5) Specialty-Health care 10%
(6) Specialty-Global Telecommunication 5%
(7) Specialty-Technology 10%

In addition, what do you think about S&P 500 Index? I like it because of its low expense ratio. However, its morningstar rating is quite low (3 stars) and I am quite uncomfortable choosing any funds with less than 4 stars.

Really appreciate your help.....