First of all, you should add a healthy dose of international exposure, both developed and emerging markets, instead of only betting on the US. Nobody can possibly know which parts of the world will perform best in the future. VTMGX and VEMAX are excellent funds for this purpose.
Less importantly, since VTSAX (US total market index) is not available to you, I would split the US allocation between VFIAX, VIMAX and VSMAX to approximate the total market so you aren't exposed to large-cap equities only. (Many would even recommend overweighting small-cap equities but there's no consensus on this.)
There's nothing very wrong with VHCAX but as it's been pointed out, it's an actively managed fund with a higher expense ratio than the index funds recommended. Actively managed funds tend to underperform cheap indexes so I would get rid of it.
Finally, when you decide you need bonds, VBTLX will be a fine choice.
Assuming you don't want any bonds, you could use this allocation, for example:
35% | VFIAX | 500 Index |
5% | VIMAX | Mid Cap Index |
10% | VSMAX | Small Cap Index |
40% | VTMGX | Developed Markets Index |
10% | VEMAX | Emerging Markets Index |
(Personally I'd be more aggressive with emerging markets but not everyone would be comfortable with that.)
