I'd try the Foolish recipes but I don't have enough confidence to "bet the farm". Any thoughts? You have already "bet the farm" on funds you yourself have determined are lagging behind the SP500 index. Why did you choose those funds? If you put it all into and S&P500 index fund, you are "betting the farm". If you leave it like it is, you are still "betting the farm". Know why you have made the choices you have, and then think about why you would move into index funds. Compare the funds to the S&P 500 index for the long-term (over 5 years). Have they consistently beaten the index? I kind of doubt it - only about 10% do. Good luck, but remember, whether you change your the mix in your portfolio or not, you are still betting the farm!Taylor
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