Thanks for the response. I have read several of your posts and you seem very sensible. You suggest that I move whatever possible to the FFour. I have seen recommendations that not more than 25 -30% be in the FFour and do other stuff with the rest. Right? Also you suggest Index funds. Think it would be best to dump the very poorly performing funds and switch to index or to dump ALL of the funds (even though some of them are nearly up to index). If I put 80K in the FFour the rest of the IRA amounts to almost 50K-lots of eggs to put in one Index basket perhaps?Again, Thanks
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