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Howdy Fools,

Long time Fool here, first time poster (though I must admit I read these forums on a daily basis between client appointments). I recently passed my one year anniversary at my company, and am now allowed to enroll in our Roth 401(k) plan through Fidelity. Basically, I wanted to consult ya'll before I start down my long fiscal path in life to see if I'm starting off on the right foot.

Vitals about my situation:

*24 years old
*Single Homeowner
*Long-term buy and hold investing style, especially with companies that pay a dividend, yet still very aggressive due to my long investing horizon (40+ years)
*Realizes that compounding interest is the 8th wonder of the world

My company matches $.50 per dollar contributed up to 6% of gross pay. We also receive a 15% discount on any company stock purchased.

Currently, I have it set up so that I'm putting away 10% of my gross pay, 6% to the Roth 401(k) for full company match, and 4% to company stock. I have no other investments (IRAs, CDs, random piggy banks stashed in the attic).

My question to ya'll is, what would you do to improve my Roth 401(k) allocation?

My options are:

Large Cap

Fid Cap Appreciation
H & W LG Cap Value I
Sptn US Eq Ind Advan (S&P 500 Index)

Mid Cap

Vang Strategic Eq

Small Cap

Northern Sm Cap Value


Dodge & Cox Intl Stock
Lazard Emerging Mkts IS
Hartford SMCO HLS IA
WFA Cap Growth Inst


Dodge & Cox Balanced
A whole bunch of Lifestyle Funds
A whole bunch of Bond funds

I'm leaning towards these positions, allowing for a 40%/40%/20% Large/Intl/Small & Mid aggressive approach:

Large Cap

(10%)Fid Cap Appreciation
(20%)Sptn US Eq Ind Advan (S&P 500 Index)

Mid Cap

(10%)Vang Strategic Eq

Small Cap

(10%)Northern Sm Cap Value


(30%)Dodge & Cox Intl Stock
(10%)Lazard Emerging Mkts IS


(10%)Dodge & Cox Balanced

I realize that having 40% International could be viewed as too aggressive, but I believe with a 40+ year investment horizon, that the general slope of that will be up. I am thinking of dropping the Dodge & Cox Balanced, as that does have bonds mixed into it and feel my money would be better off elsewhere (maybe the S&P 500 index?).

Let me apologize for the length of my post, but do know that whatever feedback I receive will be more than greatly appreciated.

Take care ya'll,


Knows that some witty signature should go here, but is really just happy to be here
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