I certainly appreciate all of the suggestions I have been getting. It has been a big help. 2old, I will sure take your advice on dollar cost averaging in bonds especially since my only choices are intermediate term bonds. And I will consider keeping my bond allocation low until I am about ten years out from retirement. Chris, I will take note of how many shares I am getting for my money on the loaded funds. I hadn't considered this. Nick, Thanks for the advice on the portfolio. I probably do need to at least send out an email to HR to ask about lower cost choices.
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