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Assuming you are not within say 5 years of retirement, you should be 100% in stocks...
If the funds you are being offered are public mutual funds you should be able to check them out on morningstar.com available on line from the financial pages of excite.com. Look for any loads, back loads, expense ratios, 12b fees etc...
You will probably have a selection of investments. An S&P Index Fund or a large cap growth fund is usually what you want as your core investment. You will want to avoid balanced funds. They own bonds and tend to give lower returns. Value funds have not performed well in recent years. Some feel they are due to recover, but personally I think there are better investments.
For diversification, some suggest you put part of your funds in a small cap fund (10-15%) and some in an international fund (10-15%). These tend to perform well when the S&P index funds go through a down phase...
But before you choose one of these, make sure the ones you are offered have good performanc history, then consider its expenses as a second factor.


This is really good advice, especially about paying attention to fees. I would temper it, though. If you haven't been investing long, and the thought of 100% stock allocation causes you to delay allocating, consider leaving some money in cash (money market). If you go 80/20 or 70/30 stocks/cash, you'll still be better off (in all likelihood) than if you want to go all stock, but the fear of buying at a peak is holding you back.
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