<prompt> Human: I was toying around with the Vanguard portfolio creation, and I landed on this page. I see terms like Stock - Large Cap growth, Large Cap Value, et.c. Here is a snapshotCould someone shed some light on this? I am looking for a moderate risk fund Im in my early 30s.I have another question - these funds claim to have a 3000 minimum. I do have at least 3000 to invest, but what do I do if I want to chip away about 500 every month? Do I have to buy a new fund every month?  <response>: Those are corners of the market. But you dont want corners, you want to own the whole market. All you need is total market funds. Moderate risk for you for retirement might be 30 Total Bond, 40 Total US Stock, 30 Total International Stock. 