No. of Recommendations: 2
You don't give your age, your investment risk tolerance or your expected rate of return, so its not really possible to asses this allocation model to you.

However, this Fidelity allocation is pretty much what most professional investment managers would recommend to someone who has an expected rate of return in the 8.5-9.5% range and many years to retirement.

Id caution about using your rear-view mirror to judge any allocation model. Certainly, a 100% FDIC insured CD position at the start of 2008 would seem today to be investment brilliance. But the same cash position at this time for 2004 would be derided as nonsense. Hindsight is always clear.

Of course, what is unclear is where we'll be next year, or the year after that, and so on.

So do want to go with 100% cash? If so and the market continues its slide, you'll feel great. If however, credit markets get their confidence back, regulations get back into investment banking and markets start to grow, you'll likely feel like you've been left at the train station.

Its up to you

BruceM
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