Bonds at 22? Are you kidding? Stay out of bonds unless you plan on spending this money before you are 40. Bonds might have been a good hedge in the past, but buying in now at record low rates and with the change in relationship between bonds/stocks I would highly advise just staying on course. That is a pretty nice set of funds, very balanced among value and growth. There are times you want one or the other, but if this is truly just a long-term nest egg to be used in your 50s or 60s you should do just fine with it and would be better off ignoring the returns over any short period of time.