... the more i learn, the less i know...Heck, you're a veteran then! Join the club!unless i "self-direct"Not sure what this means. Can you expand on this?To wit--40% large cap funds; 25% small cap funds; 25% international funds and 10% specialty (real estate, biotech) funds (Note: no dedicated bond funds)Not a bad start whatsoever IMHO. Personally I like to spread my international amongst small and large cap as well but I like your spread.Is it not appropriate to be partitioning by "style" in tax-priviledged accounts? Should I be "indexing" in my 401K as well?Yes it is appropriate and yes you should be investing in indexes, especially in your 401k IMHO.$3K (each for myself and my wife)into the Oakmark family of funds Oakmark and American are good funds IMHO. I'm guessing you're going through Scottrade or something (if not, I would recommend it.) The expense ratios on American are a bit high and I don't believe in loads. Oakmarks are no loads but expense ratios are a little on the high side. I can't say they are not solid funds though.All in all I'd go for indexes where ever I can. There's just so many of them out there and most actively managed funds will inevitably hit average anyway. I have the same situation as you...max out 401k and two IRA's for my wife and I. It's all indexes. I coerced my company to include indexes in our 401k as well. Not many but I got a large cap, mid cap and small cap index in there. I'm going for international next.HTH
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