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Author: 3muttsmom Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76418  
Subject: Reallocation suggestions Date: 3/14/2004 1:19 PM
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I've been going back and reading through past posts here and realize that most here recommend sticking pretty close to the index funds. DH and I have 401-Ks at work (I also have a Cash Balance Pension Plan) - we're putting 10% in and are getting matches of 5-6% from employers. We have not started funding Roths - working on getting rid of CC debt. Total payoff is projected to April 2006. However, we intend to start Roths for 2004 - probably later in the year or with my bonus I usually get in February each year.

My question has to do with diversification. I work for a financial institution and prior to this year, my only choices in 401-K investments were proprietary funds of my employer (affiliate). Recently, they added some others:
Dodge & Cox Stock Fund
Batterymarch US Small Cap
Ficelity Diversified Internat'l
Fidelity RE Investment Port
Vanguard Total Stock Market

Not completely knowing what we were doing, we initally went with 1/3 index (or in my case Large CAP) 1/3 small cap, and 1/3 international.

Here is where they sit today, across all three accounts:
My Company stock: 20% (co match - no choice)
Large Cap: 16% (proprietary fund)
Small Cap: 29% (proprietary fund and his is AA Small Cap)
Internat'l: 26% (proprietary fund and his Europacific Growth)
Putnam S&P: 8% (his)
Total in all 3 vehicles: $72K

I'm 44 and he's 40.

We're plowing about $2,400 per month into debt payoff, so this will be freed up once the debt is gone. I know we're WAY behind the 8-ball in getting our savings for retirement underway.

I'd appreciate some frank recommendations for asset allocation.

thanks
3MM
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