How is our Portfolio?

[LondonBroil]

Semi-new to the whole investing thing. Started a 401k at work (Fidelity) about 18 months ago, wife started a year ago. I'm 28, she's 26. I also started a Roth IRA through Vanguard this year (haven't gotten the Mrs. to open one yet).

Do we have enough "exposure" to the different asset classes? Do I have to worry about putting anything into bonds/cash when I'm only 28?

My 401K (~$14,500)
Allocations:
35% NTGI Daily Russell 2000® Index Fund
35% NTGI Daily S&P 500® Equity Index Fund
30% NTGI Daily EAFE (Europe Australasia Far East) Index Fund
And my company gives me a match on my first 5% in company stock.

Wife's 401K (~$6000)
She picked something like a "Moderate Growth" option which has a mishmosh of Jennison Groth funds, can't really find out info about them.

IRA (~$4000) $3000 from 2004 and only $1000 from 2005 so far. I know, I know, what am I waiting for.
100% VFINX