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I'll take a slightly different take on it than you've gotten already. Your fund choices look to be almost identical to the ones that I have in my 401k. Just about everyone of Fidelity's funds have some good sized fees attached to them except for the Spartan fund.

I have 100% of my 401k allocation in the Spartan US Equity Index (S&P500) fund. For diversification I have allocated my rollover IRAs (old 401ks), spousal IRAs, and taxable accounts in ways to bring my overall portfolio into balance. I am using lower cost funds to do this than are provided through Fidelity (i.e. Vanguard).

As to the issue of international diversification, some would like to believe that they can simplify their portfolio by ignoring this and you can but to do so you will likely have to be willing to tolerate more volatility and giving up a likely 1% or 2% long term growth advantage (with rebalancing).

Hyperborea
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