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I posted the following on the mutual funds board, but this might be a better place for it:

I recently moved my IRA from First Trust where my financial advisor had put it. I am near retirement and found that it was in 98% aggressive stock funds.
I have moved it to Charles Schwab and have been educating myself so I can make my own choices. There is so much advice out there that I have trouble deciding who to trust. I was told (by someone at Charles Schwab and on various online places) that I should have about 45% in bonds or bond funds and 15 % in cash. The remaining 40% should be in stocks, divided into 20% large cap, 10% international and 10% small cap. So far I have most of the bond investments in Montgomery Short Duration R, Lexington GNMA Income Fund and Habor Bond Fund. I have most of the large cap portion invested in the Schwab S&P 500.(SWPIX) The international is invested in Artisan International Fund and Schwab's International Index Fund (SWINX).
I have not invested in any small cap funds or indexes yet. I guess I am asking for advice on this and for comments on what I have done so far.
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