PolymerMom,I've been on a huge 3-fund kick lately. Keeping it simple and just focusing on Asset Allocation, and then just low-cost indexes.Have you thought of using a morningstar x-ray and also comparing expense ratios of your various funds?Without googling each ticker, it looks like you have:Bonds:18.2 Bonds & CDs18 Tax exempt bonds7.1 Money Market= 42% (not counting balanced)US Stocks3.9 HSGFX (1.07% ER)3.9 VGENX (.34% ER)4.4 FPACX (1.25% Expense Ratio!)5.2 Large Cap Funds= 17%International Stocks2.8 VINEX (.42% Expense Ratio)3.9 First Eagle Global (1.13% Expense Ratio)4.2 DODFX (0.64% Expense Ratio)11.1 MACSX (1.12% Expense Ratio)= 22%Looking at the ERs, and for argument's sake, why not just do something like...Bonds 42% (as-is, or try Vanguard Total Bond Mkt, VBMFX, ER .22%)US Equity 17% (Vanguard Total Stock Market, VTSMX at .18% ER)Int'l 22% (Vanguard International Index, VGTSX at .22% ER)3 Funds and super simple, but boy look at those low expense ratios :-)Again, for comparison's sake, paying 1.22% ER versus .22% ER is like losing 1% of your return to the fund. Considering that inflation is 1.6% and that money market only earns .2%, then giving away a free 1% to any fund seems pretty expensive to me.
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