IMO? Without looking this Mess over?  LOL

I used to be like this back in 98'.. ( had so many Toys to play with, got overwhelming , Who's On First, What's On 2nd, Who the Hell Knows is on 3rd base..LOL ) not to mention All those Tech Stocks and Funds! Oh My... make 150%! Oh My..

If your within 5 yrs of retirement time?

Take whatever % of your Total $ that will pay your Retirement Needs at 10% apy and put it in:

LSBRX in your Roth/IRA

OAKBX /DODBX in your taxable

If not? And you have longer ? 

 Unless your investing proweress has made you more than *+13% apy the past 10 yrs?

LSBRX and DODBX,  OAKBX

and forget about making $ for other people..Including Brokers and Advisors..( and you've been paying Double the fee's for being in those Bal. funds? , Nice Broker..LOL )

* Have beaten these funds by at least +3% apy

only play with whatever %/$ you don't need in your Retirement Port into all those other Funds..if you want..

and CD's? You Don't Need No Stinkin CD's! LOL......Maybe Only for your your Reserve/Emergency $, expecially since you still have some Time to go play , at least in OAKBX ,DODBX, if not LSBRX..,espeically since  your still making good $..

I moved my MMkt $ yrs ago into my Bal. Funds ( FPACX,OAKBX,PRWCX, PRPFX) not just for preservation ,but for the Potential of making a 8-11% apy  vs 3-4% CD's/MMkts..and to pay less Taxes too..

And a few bucks in FFRHX..for my Reserve/Emergency $..and Investment $ for the short term..

and Don't  think to make just enough for yourself anymore.. Our Society/Country (and Family?)  helped and Allowed you to make this Money and thus You Owe payback  and Maybe Help some Relatives out in the future? ( especially if your parents put you thru School or helped you out in some fashion thru out your life ) or some Charities?  or Your Church?

Thus? Go for the Gold to make as Much as You can, within reason of course.. and now is not the time to be Ultra Conservative with that $295k in CD's and Mmkt..  It could earn a 10-13% apy  vs what? 3-4% in those Stinkin CD's and MMkt.!  Look at All the $ your Leaving "On the Table"!  $30k yr? $20k after taxes..?

Sure, it might Loose -5% in the short term, but What if it makes +12% the next suceeding yrs?

And you have an Opportunity for the next few months.. to really make some Big Hits for the Next Yr..Btwn even DODBX, OAKBX and LSBRX , did about +26% btwn them in 03'...

Let alone some other Bear market-Safe Harbor funds..

Karma is the name of the New game ...for you now..

That's what I changed in my attitude and what I did way back in 98''/99'..

And look what happened since in those funds..vs staying in all those other Funds..?

Karma, my friend, Karma

and Don't leave $ on the table..

I know, it sounds nuts.. but It worked for me!

So far, so good..

and I'm so far ahead of the game going into this yr? I'd have to loose -40% to go back to being where I was in 99'...

and what are the odds of those Bal Funds Doing that? Pretty Slim and None, And Me thinks Slim Left town..

But, I'm certain your Broker  & Bank have those CD's with will disagree... LOL

I know? You should buy an ANNUITY!  LOL