I have about $500 balance in 401k. I'm 21 years old and currently don't
contribute to my 401k. I plan on doing soon around my 22nd birthday.
Here's my question. I don't know if I'm diversified with the choices I
have made. Now, I currently put 50% of my 401k in REREX (American
EuroPacific GR R4), 25% in NYVTX (Davis NY Venture FD CL A) and 15% in AIIEX (AIM International Growth A) and 10% in FRSGX (Franklin Small-Mid Cap Growth A). Now, do you think I'm diversified or should
I change my choices up? I like REREX because of it's dividend, as well
as NYVTX and AIIEX. I don't know if I'm diversified; however, in a few days, I'm thinking of opting out of Franklin and putting that 10% into the NYVTX, AIIEX or REREX, but leaning more toward the NYVTX. What do you think? Below the ones with asterisks (*) are my holding. I have other choices in my account (listed below), but don't know if I should stay where I am or take out the Franklin and divide it into Davis. Sorry I repeated myself.
Here are my other choices:
| EQUITY/STOCK |
|
| * |
AIM INTERNATIONAL GROWTH FD A |
04/07/1992 |
1.45% |
5.67% |
15.39% |
21.30% |
7.23% |
10.06% |
Lipper International Multi-Cap Growth
Funds Average
|
5.49%
|
14.44%
|
21.37%
|
7.44%
|
N/A
|
| * |
AMERICAN EUROPACIFIC GR R4 |
06/07/2002 |
0.87% |
10.03% |
16.60% |
22.73% |
N/A |
15.07% |
Lipper International Multi-Cap Growth
Funds Average
|
5.49%
|
14.44%
|
21.37%
|
7.44%
|
N/A
|
| |
ARIEL FUND |
11/06/1986 |
1.03% |
-14.66% |
-0.28% |
10.98% |
7.82% |
12.17% |
Lipper Mid-Cap Core Funds Average
|
-5.49%
|
6.54%
|
14.64%
|
7.77%
|
N/A
|
| * |
DAVIS NY VENTURE FD CL A |
02/17/1969 |
0.85% |
-2.75% |
6.63% |
14.03% |
6.70% |
12.93% |
Lipper Large-Cap Core Funds Average
|
-3.59%
|
4.67%
|
10.52%
|
3.28%
|
N/A
|
| * |
FRANKLIN SML-MID CAP GRWTH A |
02/14/1992 |
1.00% |
-6.65% |
5.08% |
13.05% |
5.26% |
11.24% |
Lipper Mid-Cap Growth Funds Average
|
0.75%
|
7.75%
|
14.54%
|
5.71%
|
N/A
|
| |
MASS INVEST GROWTH STK FD CL A |
01/01/1935 |
0.93% |
2.65% |
5.27% |
9.46% |
2.74% |
9.29% |
Lipper Large-Cap Growth Funds Average
|
1.44%
|
5.47%
|
9.84%
|
2.85%
|
N/A
|
| |
ML EQUITY INDEX TRUST I |
01/12/1993 |
0.30% |
-3.85% |
5.10% |
11.34% |
3.79% |
N/A |
S & P 500 Index
|
-3.60%
|
5.37%
|
11.64%
|
4.07%
|
N/A
|
| |
ML SMALL CAP INDEX CT TIER I |
05/05/1997 |
0.50% |
-12.86% |
3.45% |
14.53% |
4.96% |
N/A |
Lipper Small-Cap Core Funds Average
|
-11.61%
|
3.55%
|
14.62%
|
6.62%
|
N/A
|
| * |
PROFIT SHARING GM MOD BAL FD |
04/01/2007 |
N/A |
N/A |
N/A |
N/A |
N/A |
1.70% |
| |
WAL MART STORES INC |
N/A |
N/A |
4.63% |
0.20% |
1.88% |
8.78% |
N/A |
| BOND/FIXED INCOME |
|
| |
PIMCO TOTAL RETURN FUND |
09/08/1994 |
0.68% |
10.96% |
6.25% |
5.38% |
6.70% |
7.41% |
Lipper Intermediate Investment Grade
Debt Funds Average
|
4.46%
|
3.82%
|
3.74%
|
5.19%
|
N/A
|
| CASH EQUIV/STABLE VALUE |
|
| |
RETIREMENT PRESERVATION FD |
03/31/1992 |
0.10% |
5.04% |
4.75% |
4.52% |
5.36% |
N/A |
| GOALMANAGER MODEL |
|
| |
AGGRESSIVE MODEL |
06/07/2002 |
N/A |
1.22% |
7.63% |
12.93% |
N/A |
8.35% |
| |
CONSERVATIVE MODEL |
06/07/2002 |
N/A |
3.90% |
6.12% |
8.52% |
N/A |
6.63% |
| |
MODERATE MODEL |
06/07/2002 |
N/A |
2.18% |
6.62% |
10.47% |
N/A |
7.33% |
