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No. of Recommendations: 1
I agree there's probably a good amount of overlap between your two large funds, which account for 50% of your assets, so you may want to think about that.

You may want to move some more to international, as suggested, and see if you have some other options, like REIT. Ignoring bonds mostly in your situation is probably a good idea, although do realize you have some in your balanced fund. And do remember you'll probably want to start moving some there eventually. The only other bonds I'd consider, would be high-yield/junk, which would add some diversification to your setup as well.

Basically I think you're on the right path. General aggressive allocation is:
50-70% domestic (including some mid/small)
15-25% foreign (including some small or emerg. markets)
5-10% bonds leaning junk
5-15% other for diversification (REITS, metals, sector funds if you wish)

I know your options are limited in this plan, but if you have more funds than what you're currently in (other than bonds that you're avoiding.

P.S. No plan is a good plan if you can't sleep well at night, so do what you're comfortable with. But hopefully we've pointed out the overlap that may allow you to sleep better with a few changes.

P.P.S. Ignore Joel, as it was once well said, he likes to p*** in other people's cornflakes.
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