No. of Recommendations: 0
Retired a year ago, but have an annuity from a previous job which I can't touch for
another 4 years without a penalty.
Have 37% in international equity(Jan Worldwide Growth) 32% Small
Cap(Oppheimer Aggr. Growth) and 31 % Large Cap Value(Fidelity Equity
InCome).Any ideas on tweaking this allocation since I can't touch it right now or
should I leave it be...... Let's hear it!!

You should do the reallocation in light of all of your investments.

Just looking at the annuity, I would say your risk factor is to high. International and small co's are higher risk than the large caps. I would reduce international and increase large cap. Who knows when small caps will come back. Maybe now? I think I would sit on the small caps and see what happens.
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