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Author: DrTarr Big red star, 1000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76079  
Subject: Re: 401k Investment Allocation Date: 2/16/2011 9:53 PM
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Allocation:

Given the funds you have: (if I got these correct)

Ticker Category Todays Happy numbers
FUSVX - Large Cap Blend +0.66%
FSEVX - Mid Cap Blend +0.87%
TRBCX - Large Cap Growth +0.61%
AASOX - Small Cap Growth +0.99%
RERGX - Foreign Large Cap Blend +0.85%
ACINX - Foreign Small and Mid Cap Growth +0.61%


There really isn't any high risk for ya! In fact - given todays interest rates the highest risk may actually be in not being in equity or in the funds that have the highest fees.

As you noticed the fido funds are a bit better on the fee side of things (FUSVX ~.07%) while the Acorn and Alger were on the high end (ACINX ~1%) So you need to ask yourself - are you willing to spend a 1% fee to have the exposure to foreign and domestic small/mid cap. [If your plan charges the above mentioned fee] Do you feel there is enough upside potential:

http://finance.yahoo.com/echarts?s=TRBCX+Interactive#chart9:...


Looking at the charts (not an indepth analysis be any means but)-- for the short run looks like you would have been just about the best in FSEVX. Longer gets a little muddy but I don't really see a must better picture for the higher fees. And in fact some say that due to the lag of large cap - right now, they are the place to be!

Bottom line - what will make Guy sleep, If you feel like the split above is where you want to be - then that seems to be just as good as it gets. Outside of that using history, yes there may be a case for small caps, again using recent history, there may ba case for large caps - hence diversify which is what your split does

You could also run these funds - at the portfolio level through the morning* x-ray machine and get an idea of where you are in sectors and such. Might be fun.
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