I purchased 50% the the given virtual portfolio in 3 funds at KaChing.com
1. EFA = I fund (about 25%)
2. SPY = C fund (about 12.5%)
3. IWM (about 12.5%). IWM is Russell 2000 that replaced the VXF (S fund) for my purchase because the trading volume for VXF is small and did not meet my criteria that the daily volume needs to exceed 5 million shares for liquidity reason.
For future trading of S fund, the IWM will be used.