Looking for some tips on my portfolio. 401k - $40kIRA - $40kWife's IRA - $6kTrust - $4kI'm 35 years old and am pretty gutsy. All the accounts above are in equities (100%) since I've got about 30 years until retirement I figure I should be in good shape. The trust is also tax deferred and a benefit from my job.I'm maxing my 401k and the two IRA's and putting an extra $6k a year in the trust. I could be doing more in the trust but not sure if I should put all my eggs there as I'm not sure if I can roll it over if I leave.I'm pretty diversified and a huge Vanguard fan so my wife and my IRA's are there. I've split my money across multiple fund families, large/small growth/value and international large/small cap growth/value with some emerging markets in there. Here's the breakdown of the Vanguard IRA's:Value IndexVanguard 500International ValueSmall cap indexInternational ExplorerDeveloped MarketsEmerging MarketsSmall cap value indexThe 401k looks something like this. The pickings are not good but the company is matching 100%:Davis NY Venture FundMerrill Lynch Fundamental Growth FundMerrill Lynch MidCap Index TrustTempleton Foreign FundThe trust is in a money market fund since I'm researching funds at Merrill Lynch and they seem to only want to give me the ones with the highest fees. They're telling me that through the trust the funds are purchased at NAV but there will always be management fees and 12b-1's. I agree with the management fees but not with his 12b-1 comment.I've also got a little savings tucked away in a tax exempt intermediate term bond fund.I'm looking to make close to $90k a year when I retire but haven't quite worked out the numbers. Can someone out there point me in the right direction or at least tell me that I'm completely on crack with the above???thanks!
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