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 FundBatterymarch US Small CapFicelity Diversified Internat'lFidelity RE Investment PortVanguard Total Stock MarketNot 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: $72KI'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.thanks3MM
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