Agree 100% with Oildog...The chart of PRPFX might mislead some people.

Many people jump into some funds without understanding how the fund invests.  I don't own this fund, but I believe the asset allocation it uses is static, so it will always have an amount of gold on it, for instance, and as Oildog mentioned, if gold starts to underperform, well...Besides, why paying the management fee for such fixed allocation? If you are interested in having gold or silver there are cheaper options out there.

The best advice I can give you amarsh, is to create a plan before deciding on the funds to use...define an AA, and don't worry if you can't fill it all at once...time is on your side now. Start by adding to the segment that you think would give you more diversification to start (maybe the star fund if you like it, but understand that it is a fund of funds, and it contains a stake in Vanguard Windsor) and then fill the gaps one step at a time. If you go with the Star fund, maybe adding a small cap value fund could be a good idea to complement it and boost returns long term.

Also, please, always read the prospectus from start to finish before buying a fund...they are important since they contain the information needed to having some understanding in how the fund will treat your money, and heck, it is your money, so you better understand where you are putting it.

Just my opinion. Hope it helps.

JC