I am currently 25, and have about $12k in a 401k plan. I want to open a Roth IRA before April 15 (for 2000), and then continue to contribute $2k yearly into the Roth IRA.Most of the funds in my 401k aren't that great (high expense ratios and poor performance), so I have most of it in an S&P 500 Index fund. Using Morningstar.com's Portfolio XRay, my 401k is about 90% large-cap growth/value and 10% mid-cap growth/value.My ideal portfolio asset allocation: 15% Mid-Cap Index 15% Small-Cap Index 50% Large-Cap Index (S&P 500) 20% Individual stocksI contribute about $6k/year to the 401k (plus the maximum company match), and I hope to max out my contribution at $10k/year in about 2-3 years.Now to my question. I am obviously contributing alot more through the 401k than through the Roth IRA every year. How can I achieve this asset allocation (or at least something not heavily weighted in S&P 500) using a combination of my 401k and a Roth IRA?My first thought would be to contribute to Mid-Cap/Small-Cap index funds through the Roth IRA. However, just looking at the $6k vs $2k contributions, it looks kinda futile trying to achieve the asset allocation I want.I know I could rollover my 401k to an IRA at some point and have total freedom, but I don't want to quit my job every 3 years to reallocate. :PAny thoughts?-H
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