Laserjock, Your asset allocations and fund selections look pretty good. At your age, I would think about reducing large-cap value and large-cap growth funds to 15% each and bringing your small-cap allocation up to 20%. Have you considered an asset allocation fund (like LAALX) or world (global) stock fund (like PRGSX or VHGEX) to build your core? As for a proprietary REIT index fund, it's hard to beat Vanguard's VNQ.

Can I make the post more specific, or do something else, to encourage a reply?

re:Sure, you can offer some Free $10 coupons for Dunkin Donuts or Startbucks! LOL

Boy, have We got Ideas! Maynot be the one's you want to hear, but none the less..LOL

1. On how much APY rtns does your Retirement Financial Plan TELL you you have to make? Some only will have to make Bond to Equity index rtns or a mix,  while others being able to save less, have to go for Higher rtns..

2. And your % allocations Are Really just your Guessing those Higher Risk Diviation Funds and Asset classes will out Perform the others and you know what % are successfull at doing this at the Professional level, let alone Amatures...right?

3, If you truly beleive in your Portfolio? Then your answer is already made up for you..ie; Just divide the Cash into those funds according to your % allocations you set up.

4. And Do you own a Home? have it financed for no more than 15 yrs? And do oyu realize the $ you put in it grows Tax Free and Is Tax free when you sell it! Sure beats just about everything else on the planet, now doesn't it? ( I mention this since before retiring, I sold My Bigger Home, Downsized and put over $200 extra K into my Retirement Account) and when you retire, in what 20/30 yrs? You could double that..

5. I wouldn't bet baby's shoes on a #401k..being there when you retire either.. Think Enron, Airlines, Bear Sterns #401k's all went broke...

6. Large Caps? Why? to make 3% past 8 yrs and 5.6% past 10 yrs? Whoppie Do!

and loose a total of (43%) like they did in the last Bear Mrt yrs of btwn 00-03'? Real Stable Asset class has it been? just like the Pro's have been advocating..Yeah, right..

oh, excuse me they did 13% in the past 5 yrs... But Mid Caps did 17.6% , Small caps did 16% and Int'l did 23%!

And how do you feel about those Large Caps these past few of months? Enjoy the Downhill Roller Coaster Dips? Give you that Sinking feeling?  LOL

And how come you don't own some stocks? Like Berkshire B, Wal mart, Walgreens,and add some spice to your life and learn something else, beside hiding in Mfunds? To Chicken or Lazy or Both..?

Your only 30's?  remember.. you only have one shot at this game and at your age? "He Who takes No Chance, HAS No chance'.. go conservative when you hit about 5 yrs prior to retirement time.. that is IF you still have any decent SS left to get.. let alone Medicare...

After Our Parents and Now us Up comming Baby Boomers Drain it dry... I doublt there will be much left for you kids.. and in another 30 yrs? You kids are going to be paying how much for Gas? $8-$10/gallon? And Imgaine paying triple to Heat and Cool your home!   and needing at least $1 Million in savings to be able to afford to even think of retireing...! 

And thanks all to your grandparents and parents for electing all those Theives and Dummies to run the show..since 1970...

If we could? We'd even elect the 'Terminator"... What does that tell you?

and we're supposed to be so good at Investing too...

ROFL

  

 

 

 

 

Thanks, closer.  I'll definitely look into what you said about moving some LC to SC.  When you recommended a global fund like VHGEX, what would you replace with it?  Some of the LC assets?