How to diversify my three different accounts

[Jimmyjon]

-Right now I have a 401k with my employer that is in the T-Rowe Price Retirement 2055, but will be rolling that over into a traditional IRA (with Vanguard) as soon as I leave my job. Currently worth $27,000.
-I also have an actively managed Roth IRA with American Funds (right now it's in CAIBX, AGTHX, & NEWFX), but am not happy with all the fees etc, so I will also be rolling that over into a Vanguard Roth IRA account.  Currently worth $7,500.
-I just opened an individual investment account with Vanguard and put $10,000 into index funds (Vanguard Total Stock Market Index Fund).

My question is:  How should I diversify these three accounts? I really like the thought of index funds, specifically (VTSMX), (VGSIX), (VIGRX), & (VFWAX), but I'm not sure if I should have all three of my accounts invested in the same things... What do most people prefer to do? I would like to keep my IRAs as safe as possible and maybe be a little riskier with the personal investment... I am 26 BTW

[ketchup]

First figure out your overall asset allocation you want.

Take a look at this: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement

It should have what you need.  Basically you put your least tax-efficient funds in your tax-deferred accounts first, and go from there.

[frugaliknowit]

http://paulmerriman.com/vanguard/