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Author: willycapt Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 25247  
Subject: 401K Distribution Help Date: 3/13/2003 8:37 AM
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Greetings ...

Would like some Foolish feedback on my current 401K distribution:

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Stock Investments:
Large Cap Blend
DOW INDEX 20% (Large Cap Blend)
FIDELITY BLUE CHIP 20% (Large Cap)
FIDELITY EQUITY INC 20% (Large Cap Value)
JANUS OVERSEAS 5% (Foreign)
STOCK INDEX FUND 20% (Large Cap Blend)
TECHNOLOGY FUND 5% (Specialty)
Bond/Managed Income:
ONE GROUP BOND I 10% (Intermediate-Term)

Total 100%

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I'm 35, single, and have about a $52,000 balance in the plan. My contributions are maxed-out and takes full advantage of my employer matching.

Here is a list of my current investment options through Fidelity (includes recent closing price):

Stock Investments
LARGE CAP GROWTH
FIDELITY BLUE CHIP $29.76 + $0.18
JANUS OLYMPUS $18.76 + $0.07
NM FOCUS EQUITY PR A $11.91 + $0.08
VANG MORGAN GROWTH $14.24 $0.00
VANG MORGAN GRTH ADM $31.90 + $0.12

LARGE CAP BLEND
AIM BASIC VALUE A $19.23 + $0.01
DOW INDEX $9.10 + $0.04
FIDELITY MAGELLAN $72.52 + $0.29
STOCK INDEX FUND $23.42 + $0.11
VANG PRIMECAP ADM $37.40 + $0.09
VANGUARD PRIMECAP $50.89 $0.00

LARGE CAP VALUE
FIDELITY EQUITY INC $35.23 - $0.03
VANG WINDSOR ADM $36.80 + $0.02
VANGUARD WINDSOR $15.74 $0.00

MID-CAP GROWTH
BLKROCK MIDCAP GRTH $5.76 $0.00

MID-CAP BLEND
HRTFRD MIDCAP HLS 1A $16.56 - $0.02
TCW GAL VAL OPP I $12.56 - $0.06

MID-CAP VALUE
C & B MID CAP VALUE $12.02 - $0.06
EXCELSIOR VAL & RSTG $22.30 $0.00

SMALL CAP GROWTH
MSIFT SM CAP GRTH I $19.12 - $0.03
TURNER MICROCAP GRTH $28.75 - $0.04

SMALL CAP BLEND
SMALL CAP BLEND $7.67 - $0.01
TRP SM CAP STOCK $19.26 - $0.15

SMALL CAP VALUE
AM CENT SM CAP VAL I $6.19 - $0.02

FOREIGN
ARTISAN INTL $11.95 - $0.35
BGI EAFE EQ INDEX F $5.55 - $0.13
JANUS OVERSEAS $13.16 - $0.25
PUTN INTL VOYAGER Y $12.10 - $0.12
TEMPLETON FOREIGN A $7.33 - $0.12
TEMPLETON INTL $8.00 - $0.13

SPECIALTY
HEALTHCARE FUND $7.15 $0.00
SPECIALTY HIGH GRTH $6.74 - $0.08
SPECIALTY VALUE FUND $7.71 - $0.01
TECHNOLOGY FUND $6.75 - $0.02

OTHER
AGGRESSIVE STRATEGY $5.91 - $0.03
Blended Fund Investments
BALANCED
FIDELITY BALANCED $12.52 $0.00
JANUS BALANCED FUND $17.33 $0.00
MODERATE STRATEGY $8.57 - $0.01
OAKMARK EQ & INC I $17.08 - $0.02
PUTNAM BALANCED Y $8.29 $0.00
VANG WELLESLEY ADM $49.18 $0.00
VANGUARD WELLESLEY $20.32 $0.00
Bond/Managed Income
INTERMEDIATE-TERM
BGI US DEBT INDEX F $12.05 - $0.01
ONE GROUP BOND I $11.21 - $0.01
PIMCO TOT RETRN INST $10.83 - $0.01
SCUD FIXED INC INST $11.12 $0.00

STABLE VALUE
FIXED INCOME FUND $1.00 $0.00
Short-Term Investments
FIDELITY RETIRE MMKT $1.00 $0.00
Other Investments
1 ELECTIVE TRANSFER $1.00 $0.00
REAL ESTATE SEC FUND $9.85 - $0.01

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If anyone would suggest a different allocation strategy, please let me know ... I'm all ears.

THANKS.
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Author: yobria Big red star, 1000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 15980 of 25247
Subject: Re: 401K Distribution Help Date: 3/13/2003 3:05 PM
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As I like to say to the coworker that details his sex life, "That was a little more information that I needed." :)


I would:

-Reduce large cap stock exposure. Add med, small cap.
-Increase bond allocation to 20% (variety of durations/mix of corp/agency/govt)
-Put maybe 15% in REITs
-Increase foreign to 20-25% of stock allocation (depending on the expense ratio of the foreign fund)
-Eliminate Tech Fund.

Just personal prefs.

Nick




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