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Subject:  Re: Help! 403b ---benefit or error? Date:  9/20/2008  10:26 PM
Author:  vickifool Number:  63903 of 88051

I, of course have opted to invest in their meager index offerings, which have no 12b-1 fees and lower management (.3-.4) than others such as American, Blackrock, etc., whose fees are almost 2%.

I am currently investing the max ($15.5K) These are my allocations: Metlife Mid Cap 20%, Metlife Stock Index 25%, Russell 2000 20%, Morgan EAFE index 25% and Lehmman Index 10%.

I am concerned that I am not diversified enough

This looks like a diversified portfolio to me. Index funds are by definition diversified. Unless it's a sector fund.

Not diversified is being invested only in your company's stock.

I tried to run it through Morningstar's x-ray, but I think I'm too tired right now. Here's the link if you want to try it.

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