Hi KnightCrawler, I am not an expert in mutual funds but I will share with you my own trick that has worked OK for me so far. As far as I know, Vanguard has one of the better mutual funds available out there today, so it's good that your company offers them. Now find the ticker associated with all those 13 funds and just do a simple graph analysis (see if you can sense any kind of trend) and then look at it's Year To Date Return %. Start allocating by picking funds with the most YTD return%. Now this is the tricky part, you need to make sure you monitor all 13 funds on a regular basis (once again use google or yahoo finance to get the ticker info), if the mutual funds you own currently have exceeded anywhere from the 15 to 20% in their value from the time of your purchase, you need to re-balance your portfolio by selling that fund and equally distributing your balance to other funds that might not have performed as well as the one you owned. Mutual funds are as diversified of an investment as you'll get, so they are all pretty safe bets. Just that some perform better than others at any given time (not saying the bad performers won't make a come back). So, just use the most basic principle of investing -- sell high buy low. This is what a finincial advisor managing your retirement account usually does. I advise looking at the mutual funds YTD return at least once every 6 months and deciding if you need to sell that one and buy another. But at any case you need to re-balance your portfolio by equally distributing your funds even if all your mutual funds have been fairly flat through out the year (meaning their YTD return % is under 10%). Well I hope I was able to make some sense....let me know if you have any questions. Good luck.