No. of Recommendations: 3
25% Domestic Large
30% Domestic Small
5% Bonds/Money market
10% Foreign Large
20% Foreign Small
10% Emerging Markets


Here is my critique FWIW, i.e., $0.02.

There is such a thing as over-diverisfication. That is, you have 6 different funds. That is alot of additional fees that over time add up. IMHO, too much emphasis is placed on foreign vs. domestic. Almost any large company has an international presence. Also, I would not hold a bond fund, I would go strictly money market for cash/income portion.

To me the simplest allocation would be a total market index and money market fund. Or if you're really set on it, have 3 funds, total market index, international market index, and money market fund.

JLC
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