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It is my opinion that if you reallocate within your 401k you should do so very sparingly. IMHO its the contributions that get reallocated. If you place 25% in S&T over six months and you notice that your S&T is now 50% of your port. then I would reallocate.
IMHO S&P500 type funds should be the base of your 401k, at least 40%.
IMHO, also, 25% in international is not wise. 10% is wise and when the allocation gets to 25% I would reallocate. And I would always reallocated to s&P 500 type fund and not sideways.
But remember contribution % allocation is what you should look at not port allocation. Port Allocation should be only examined semiannually.
Why to you reallocate when you get big %s? Because you have experienced an abnormal run up in capital appreciation. Reallocation should only occur when you get way off. Of course that is just one persons opinion. I am sure there are others.
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