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OK,now I can finally rollover all the the money out of the stupid annuity (403b)that I had with my last employer without penalty.

So, here comes the scary part...knowing that I can screw myself if I make the wrong choices.

I have some money in Fidelity through my current job and have some in Vanguard. I would really, really appreciate it if you guys can tell me your suggestions for asset allocation and if I should merge the money and stuff.

Female. Single. 37 years old.



Roth IRA - Total Stock Market Index - $11,500

Rollover IRA - Target Retirement 2035 - $4,000

Vanguard Total Stock Market Index Fund 71.9%
Vanguard European Stock Index Fund 10.5%
Vanguard Total Bond Market Index Fund 10.0%
Vanguard Pacific Stock Index Fund 4.7%
Vanguard Emerging Markets Stock Index Fund 2.9%
Total — 100.0%

FIDELITY (current 403b)

Four In One Index - $7,000

55% Spartan 500 Index
15% Spartan Extended Market Index
15% Spartan International Index (follows MSCI EAFE Index)
15% Fideltiy U.S. Bond Index

The only other index to speak of with my employer plan is the Total Stock Market, and US EQ Indexes

Old 403(b) - Amount to rollover somewhere $25,000

My original plan was to rollover the 25K into the Four in one Index, (I can roll it right into the current account, right? Or is there a separate "rollover account" with the new employer?),but I really don't like having 15% in bonds. I have no problem with risk, and I hear many say that you don't need bonds until 10 years from retirement.

Anyway, I feel like I have money in all these different places and I don't know what I am doing with it all. I don't know if I should send the 25 K to Fidelity or not. Or Vanguard? Or should I roll my rollover IRA with Vanguard to Fidelity? And what funds?

I guess the question comes down to percentages (how much do I put in large, small, mid, international?) and where to keep it.

I'd really appreciate your help!

Thank you!
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