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Thank you, Hockeypop! I will definitely utilize that!

I decided to come back to ask one more question, if folks don't mind.

In 2008 I asked for advice on asset allocation. At that time I asked what percentages members thought I should have in large, mid, small, foreign. I use index funds only. I am curious to know if people would have a different bent, especially on the foreign funds (at that time, the average of 6 suggestions was 30% for foreign). Additionally, I am wondering if I should consider an index in REITs (have not used in past).

So, if people wouldn't mind giving me their thoughts on the above (foreign percentage and necessity of REITs), I would appreciate it.

Even better, give me suggestions for the whole portfolio, if you have the time! :-)


41 year old, single female. Make 61K a year (and will probably never make above 70K-75K per year). Current 66K in retirement funding (403b and Roth).

Currently put up to match in 403(b) and then rest in Roth due to somewhat high fees in Fidelity and b/c it is a annuity.

Any other advice of anything I missed welcomed.

Thank you.
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