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I agree with you.

It is desirable to have some short-term money but you don't need to use the limited amount you can put into your 401k for that. If you want short-term treasuries--and at current yields who would?--you can buy them from Treasury Direct at no cost.

I'd increase the equity portion to redistribute the funds.My current bias would be toward the International portion if you are comfortable with that.

Best wishes, Chris
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