No. of Recommendations: 0
Barak0 wrote:
The mix currently it stands at:

Guaranteed Interest ------ 8.28% -------- Stable
Large Cap Stk Index ------ 23.35% ------- Moderate
Medium Company Blend ----- 28.46% ------- Agressive
Small Company Blend ------ 27.84% ------- Agressive
International Stock ------ 12.07% ------- Dynamic

I am also in the process of reallocating, with my back against the April 15th wall. First thing I would check is what is the stock/bond blend of the small and medium cap funds. Some calculators say as little as 0% bonds, some as much as 20% for a young, agressive investor. I am looking at 15%, and I am including in that calculation the average bond portion of blended and balanced funds. You could even subdivide that into short and long term bonds if you want.

For my stocks, I am dividing the remaining 85% to put 20% in international stocks (10% snall/med cap, 10% large cap if I can), about 36% in large cap, and the remaining 24% in small/med cap. Both could be split between growth and value goals. The final 5% will likely go into a high risk emerging market fund.

BTW, as I am getting into direct stock investing, I will be including those accounts as well as my 401K, Roth, non-deferred, and savings positions. This way I diversity my allocation across the entire portfolio, rather than treat individuall accounts independently.
It's a lot of work, but I hope it will pay off in the long run.

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