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Hi Lora,

My, quite a menagerie of funds, isn't it? I took a look at the two that you are actively contributing to...AVOIX and AELIX. I'm assuming that these are the ones, because they are the institutional shares. If that's the case, and your not in the loaded version of these funds, then you have funds with somewhat reasonable fees. (1.10% and .66% respectively.) AVOIX is classified by M* as a large blend fund, and seems to have done fairly well compared to it's catagory.

AELIX is also classified by M* as a large blend and seems to have flowed with the index, as it's name indicates.

My question is this. How much overlap do you have in these two well as the others you hold? You might want to check that out on the overlap tool at

The other thing is that you say your employer doesn't match your contributions? Are you eligible for a traditional, or better yet, a Roth IRA? If so, how about opening up something like that at someplace like Vanguard or TIAA-CREF (low-expense ratio fund companies) once you determine your holdings and your asset allocation plan? Just a thought.

Good Luck,
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