Pamela,

I took another look at your portfolio and wanted to offer a comment, hoping I'm not repeating something that might have been said earlier. You have a growth oriented portfolio. IMO, that is sometimes created based on the assumption that over a long time such a portfolio outperforms other more "conservative" portfolios.  In fact, this is not necessarily true. Growth funds may outperform during periods of high market growth, but also have exaggerated downside performance when the market sags.  As a result, many don't have great long term records (though some do, like your FCNTX). I recognize that your selection may instead be driven by a limited set of funds you can choose from.

The concept that aggressive portfolios outperform more conservative portfolios is correct, but this is based on highly equity based portfolios vs. portfolios with more bonds and other fixed income portfolios.  That same rule doesn't apply to growth funds vs. "value" oriented funds. 

I entered your domestic funds (removing your int'l and EM fund) into the XRay and the growth tilt shows:

09 - 09 - 15

06 - 12 - 16

09 - 12 - 12

It is good practice sometimes to analyze domestic and foreign separately, as they're really a bit of apples and oranges.  

You have blend and growth funds, but no value oriented funds (IMO, FLVCX doesn't really qualify as a value fund).  For me, my domestic value funds ARTQX, JMCVX and UMBIX are performing well this year (except JMCVX they really aren't typical value funds), and helping overall. 

I offer this as food for thought and future consideration, not as a specific recommendation for any immediate action.

Best to you,

Brian