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SO - since you are only 28 years old, the 30-30-30-10 portfolio is probably a good one for you. I would personally tweak it a bit: you MUST keep cash on hand in a money market and that will take at least a couple of percentage points, and I would cut down on the small caps myself. While small caps will get you nice gains when the market goes up, they will KILL you on a downturn.

Yes, the small-cap position could definitely be trimmed. Also, the OP mentioned that he was interested in the energy sector. Investing in a single sector is pretty high risk, but if it's less than 5% of your portfolio, you should be okay.

Here's another possibility

30% Large Cap Domestic
30% Foreign Growth
20% Small Cap Growth
10% Bonds
5% Energy Sector
5% Cash (Money Market)

You could use an ETF like XLE for investing in energy.

I'm not really sure if you need cash in your IRAs. I assume that you have cash elsewhere. OTOH, if you have some cash in your IRA, that cash would be available to invest later on if we get a major downturn in either the US and/or global markets.

If you are willing to put in a little more time, you could break your Large Cap Domestic into growth and value holdings. Also, you might want to consider breaking up your Foreign stock into emerging market and global.

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