This is probably not what you're looking for, but since others have mentioned asset allocation......Its a good paper. Shows how different asset classes behave. Can smooth out returns. I doubt it would fit into your 401k plan but it can give you some ideas.http://www.siliconvalleyaaii.org/images/20081108_Zmyslowski....Guessing at your available choices...10% emerging market20% international20% total stock market25% REIT25% total bondJLC
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