401k allocation Help

**jIM_Ohio** · 12-01-2008, 09:25 AM

Putting in the max is an excellent decision.
You did not list all funds available. You have some choices-

put your current holdings in morningstar xray and see how much mid cap you have ( the large blend fund might hold some, and the target date fund almost certainly-probably- holds some too). Target date would also **probably** hold small caps, bonds and similar. Check the prospectus or use xray to figure it out.

Another choice is to use ONLY the target date fund. My guess is this forum will give you that as the most popular response. Not a bad decision, if you choose to have more control over your investments, then I would steer clear of target date funds which suggest everyone retiring the same year needs the same asset allocation at all points of their life.

I slice and dice- so I hold 45% large cap, 15% mid cap, 15% small cap, 15% foreign large and 10% foreign small/ emerging markets. I do reduce the 45% large when I add bonds to the portfolio as well.

This is quite aggressive and it lost me 40% this year, so if you decide this is not for you, listen to someone else.

**EdMitchell** · 12-02-2008, 04:51 AM

Hello, Jim thank you for your help. The choices I have are:

Stock Investments
Domestic Stocks
TOTAL STOCK MKT IDX
Inception Date 07/03/2000 -36.33 -5.01 0.87 N/A -2.37 10/31/2008
International Stocks
INTL STOCK MKT IDX
Inception Date 04/01/1993 -48.39 -4.10 4.87 2.85 4.77 10/31/2008
Real Estate
REIT IDX
Inception Date 05/15/2003 -40.59 -6.65 4.25 N/A 6.44 10/31/2008
INTL REAL ESTATE IDX
Inception Date 01/01/2008 N/A N/A N/A N/A -47.37 10/31/2008
Bond Investments
Bonds
STABLE VALUE
Inception Date 07/01/1985 5.05 5.45 5.38 5.58 7.08 10/31/2008
INFL PROTECTED BOND
Inception Date 07/03/2000 -3.32 1.92 3.25 N/A 6.29 10/31/2008
TOTAL BOND MARKET
Inception Date 05/01/1996 -7.20 0.12 1.38 3.86 4.91 10/31/2008

EXPANDED CHOICE FUNDS
Stock Investments
International Stocks
EUROPEAN STOCK IDX
Inception Date 07/03/2000 -47.91 -4.10 4.60 N/A -0.71 10/31/2008
PACIFIC STOCK IDX
Inception Date 07/03/2000 -42.71 -6.70 2.27 N/A -2.98 10/31/2008
Large-Cap Stocks
LARGE COMPANY IDX
Inception Date 09/30/1985 -36.05 -5.18 0.29 0.42 11.22 10/31/2008
LARGE-CAP VALUE IDX
Inception Date 07/03/2000 -36.78 -5.23 1.92 N/A 0.22 10/31/2008
LARGE-CAP GROWTH IDX
Inception Date 07/03/2000 -36.94 -5.91 -1.31 N/A -6.57 10/31/2008
Mid-Cap Stocks
SMALL/MID-CAP IDX
Inception Date 04/01/1990 -38.73 -6.04 1.57 4.01 8.29 10/31/2008
Small-Cap Stocks
SMALL-CAP VALUE IDX
Inception Date 07/03/2000 -30.44 -4.41 3.11 N/A 6.21 10/31/2008
SMALL-CAP GROWTH IDX
Inception Date 07/03/2000 -37.60 -5.13 -0.01 N/A -0.28 10/31/2008
Individual Equities
IBM STOCK
Inception Date 03/31/1990 -18.78 5.71 1.89 3.05 8.52 10/31/2008
Bond Investments
Bonds
LONG-TERM CORP BOND
Inception Date 07/03/2000 -21.16 -4.70 -0.54 N/A 4.01 10/31/2008
HI YLD EMG MKT BOND
Inception Date 07/01/2004 -18.12 -1.23 N/A N/A 2.42 10/31/2008

MUTUAL FUND WINDOW
Stock Investments
Large Blend
* FID DISCIPLINED EQTY
Inception Date 12/28/1988 -41.31 -9.55 -1.01 0.43 9.16 11/30/2008
FID DIVIDEND GROWTH
Inception Date 04/27/1993 -46.54 -14.07 -5.96 -1.65 7.62 11/30/2008
* FID EXP & MULTINATL
Inception Date 10/04/1994 -44.27 -11.34 -0.70 4.48 10.33 11/30/2008
FID FIDELITY
Inception Date 04/30/1930 -40.95 -7.57 -0.86 -0.47 9.66 11/30/2008
FID FIFTY
Inception Date 09/17/1993 -51.04 -14.51 -5.16 1.82 6.48 11/30/2008
FID GROWTH DISCOVERY
Inception Date 03/31/1998 -46.29 -8.11 -1.51 1.36 1.37 11/30/2008
FID MEGA CAP STOCK
Inception Date 12/28/1998 -40.62 -9.19 -2.33 N/A -1.86 11/30/2008
FID STOCK SELECTOR
Inception Date 09/28/1990 -42.19 -9.88 -1.59 -0.42 8.63 11/30/2008
PIMCO STKPLUS INST
Inception Date 05/13/1993 -41.29 -7.98 -1.83 -0.22 7.05 10/31/2008
VANG GRTH & INC ADM
Inception Date 05/14/2001 -37.28 -6.68 -0.53 N/A -1.84 10/31/2008
VANG LG CAP IDX SIG
Inception Date 08/30/2007 -36.10 N/A N/A N/A -27.79 10/31/2008
VANG PRIMECAP CORE
Inception Date 12/09/2004 -29.73 -2.23 N/A N/A 0.48 10/31/2008
VANG TOT STK MKT SIG
Inception Date 09/01/2006 -36.22 N/A N/A N/A -11.24 10/31/2008
Large Growth
AF AMCAP R5
Inception Date 05/15/2002 -36.52 -6.40 -0.75 N/A 0.02 10/31/2008
AF GROWTH OF AMER R5
Inception Date 05/15/2002 -37.72 -4.65 1.94 N/A 2.17 10/31/2008
AF NEW ECONOMY R5
Inception Date 05/15/2002 -43.39 -5.28 0.77 N/A 0.95 10/31/2008
FID BLUE CHIP GROWTH
Inception Date 12/31/1987 -39.05 -10.53 -3.77 -2.97 8.79 11/30/2008
FID CAP APPRECIATION
Inception Date 11/26/1986 -45.96 -11.43 -3.25 1.82 8.75 11/30/2008
FID CONTRAFUND
Inception Date 05/17/1967 -37.95 -5.76 2.55 3.86 11.86 11/30/2008
FID GROWTH COMPANY
Inception Date 01/17/1983 -43.19 -8.68 -0.73 2.02 11.45 11/30/2008
FID INDEPENDENCE
Inception Date 03/25/1983 -47.27 -9.02 -0.80 1.08 10.34 11/30/2008
FID LARGE CAP STOCK
Inception Date 06/22/1995 -48.88 -13.16 -4.91 -3.33 3.07 11/30/2008
FID OTC PORTFOLIO
Inception Date 12/31/1984 -47.85 -10.40 -2.93 -0.37 10.84 11/30/2008
FID TREND
Inception Date 06/16/1958 -45.19 -9.89 -1.91 0.99 10.75 11/30/2008
VANG FTSE SOCIAL IDX
Inception Date 05/31/2000 -40.73 -9.71 -3.60 N/A -5.63 10/31/2008
VANG GROWTH IDX SIG
Inception Date 06/04/2007 -35.39 N/A N/A N/A -23.64 10/31/2008
VANG GRTH EQUITY
Inception Date 03/11/1992 -44.19 -7.73 -2.48 -1.60 5.35 10/31/2008
VANG MORGAN GRTH ADM
Inception Date 05/14/2001 -39.51 -5.98 -0.25 N/A -1.58 10/31/2008
Large Value
AF AMERICAN MUTAL R5
Inception Date 05/15/2002 -30.69 -3.15 1.74 N/A 1.22 10/31/2008
AF FUNDAMNTL INVS R5
Inception Date 05/15/2002 -38.42 -2.59 3.93 N/A 2.91 10/31/2008
AF INVEST CO AMER R5
Inception Date 05/15/2002 -34.51 -4.08 1.38 N/A 1.17 10/31/2008
AF WASH MUTUAL R5
Inception Date 05/15/2002 -33.39 -3.51 1.26 N/A 0.62 10/31/2008
DODGE & COX STOCK
Inception Date 01/04/1965 -42.64 -9.03 0.18 5.93 10.57 10/31/2008
FID EQUITY INCOME
Inception Date 05/16/1966 -43.12 -11.16 -2.43 0.08 11.11 11/30/2008
FID EQUITY INCOME II
Inception Date 08/21/1990 -41.13 -10.93 -2.97 -0.03 9.15 11/30/2008
VANG CAPITAL VAL INV
Inception Date 12/17/2001 -53.19 -14.16 -5.24 N/A -4.34 10/31/2008
VANG DIV GROWTH INV
Inception Date 05/15/1992 -25.30 0.44 4.11 1.16 6.10 10/31/2008
VANG EQUITY INC ADM
Inception Date 08/13/2001 -29.84 -1.55 3.65 N/A 2.00 10/31/2008
VANG US VALUE
Inception Date 06/29/2000 -35.29 -7.00 0.24 N/A 2.24 10/31/2008
VANG VALUE IDX SIG
Inception Date 06/04/2007 -37.05 N/A N/A N/A -29.24 10/31/2008
VANG WINDSOR ADM
Inception Date 11/12/2001 -43.85 -9.16 -1.92 N/A -0.33 10/31/2008
VANG WINDSOR II ADM
Inception Date 05/14/2001 -37.94 -5.91 2.24 N/A 0.50 10/31/2008
Mid-Cap Blend
FID LEVERAGED CO STK
Inception Date 12/19/2000 -55.83 -14.99 -1.20 N/A 7.44 11/30/2008
FID VALUE STRATEGIES
Inception Date 12/31/1983 -54.35 -16.95 -7.87 2.26 9.56 11/30/2008
VANG EXT MKT IDX SIG
Inception Date 09/01/2006 -38.62 N/A N/A N/A -12.48 10/31/2008
VANG MIDCAP IDX INST
Inception Date 05/21/1998 -41.97 -7.72 1.41 6.48 5.35 10/31/2008
VANG STRATEGIC EQ
Inception Date 08/14/1995 -41.62 -9.47 -0.39 5.80 7.75 10/31/2008
Mid-Cap Growth
FID MID CAP STOCK
Inception Date 03/29/1994 -49.37 -13.85 -4.32 2.89 7.98 11/30/2008
VANG MIDCAP GRTH INV
Inception Date 12/31/1997 -40.02 -4.37 0.39 6.65 6.63 10/31/2008
Mid-Cap Value
FID VALUE
Inception Date 12/01/1978 -49.60 -15.01 -2.50 3.11 11.05 11/30/2008
VANG SELECTED VALUE
Inception Date 02/15/1996 -37.79 -6.47 2.61 5.80 5.20 10/31/2008
Small Blend
FID SMALL CAP STOCK
Inception Date 03/12/1998 -47.36 -13.70 -3.84 5.75 3.58 11/30/2008
Small Growth
AF SMALLCAP WORLD R5
Inception Date 05/15/2002 -51.81 -5.88 2.35 N/A 3.06 10/31/2008
FID SM CAP INDEPEND
Inception Date 06/28/1993 -49.59 -14.24 -4.00 1.52 4.40 11/30/2008
FID SM CAP RTMT
Inception Date 09/26/2000 -32.28 -10.89 -2.05 N/A 2.77 11/30/2008
VANG EXPLORER ADM
Inception Date 11/12/2001 -40.07 -7.64 -0.81 N/A 1.78 10/31/2008
Small Value
VANG SM VAL IDX INST
Inception Date 12/07/1999 -33.65 -6.06 2.73 N/A 6.69 10/31/2008
Specialty-Nat Resource
PIM COM REAL RET I
Inception Date 06/28/2002 -34.64 -7.98 2.46 N/A 8.68 10/31/2008
Specialty-Real Estate
FID INTL REAL ESTATE
Inception Date 09/08/2004 -55.92 -12.76 N/A N/A -4.11 11/30/2008
FID REAL ESTATE INC
Inception Date 02/04/2003 -33.05 -10.85 -3.41 N/A -0.42 11/30/2008
FID REAL ESTATE INVS
Inception Date 11/17/1986 -51.58 -18.02 -2.96 5.25 7.64 11/30/2008
PIM RE REAL RET INST
Inception Date 10/31/2003 -49.90 -12.42 2.07 N/A 2.07 10/31/2008
Diversified Emerg Mkts
AF NEW WORLD R5
Inception Date 05/15/2002 -46.48 1.97 9.48 N/A 9.31 10/31/2008
Diversified Pac/Asia
FID PACIFIC BASIN
Inception Date 10/01/1986 -61.19 -14.50 -1.69 2.72 3.48 11/30/2008
Europe Stock
FID EUROPE
Inception Date 10/01/1986 -48.35 -7.10 3.72 1.79 8.23 11/30/2008
FID EUROPE CAP APP
Inception Date 12/21/1993 -50.26 -6.45 2.37 2.55 7.42 11/30/2008
Foreign Large Blend
AF EUROPAC GROWTH R5
Inception Date 05/15/2002 -43.78 -1.83 6.11 N/A 5.39 10/31/2008
FID CANADA
Inception Date 11/17/1987 -42.98 -3.37 7.61 11.49 9.61 11/30/2008
FID INTL DISCOVERY
Inception Date 12/31/1986 -48.60 -6.59 3.14 4.70 6.93 11/30/2008
FID OVERSEAS
Inception Date 12/04/1984 -51.45 -8.27 0.92 0.79 9.93 11/30/2008
VANG DEVEL MKTS IDX
Inception Date 05/08/2000 -46.24 -4.91 3.84 N/A -0.97 10/31/2008
VANG INTL GROWTH ADM
Inception Date 08/13/2001 -47.46 -4.20 3.93 N/A 2.62 10/31/2008
VANG INTL VALUE INV
Inception Date 05/16/1983 -45.49 -3.01 5.07 4.11 9.30 10/31/2008
VANG TOTAL INTL STK
Inception Date 04/29/1996 -48.57 -4.50 4.41 2.49 2.46 10/31/2008
Foreign Large Growth
FID DIVERSIFIED INTL
Inception Date 12/27/1991 -49.94 -8.79 1.56 4.83 7.56 11/30/2008
Foreign Large Value
DODGE & COX INTL STK
Inception Date 05/01/2001 -47.88 -5.79 5.75 N/A 4.88 10/31/2008
Foreign Sm/Mid Growth
FID INTL SMALL CAP
Inception Date 09/18/2002 -51.68 -11.41 2.86 N/A 12.28 11/30/2008
VANG INTL EXPLORER
Inception Date 11/04/1996 -53.80 -8.28 3.94 8.90 7.33 10/31/2008
Japan Stock
FID JAPAN
Inception Date 09/15/1992 -45.66 -15.29 -2.04 1.52 1.90 11/30/2008
FID JAPAN SMALLER CO
Inception Date 11/01/1995 -44.33 -21.14 -5.21 5.67 0.99 11/30/2008
Latin America Stock
FID LATIN AMERICA
Inception Date 04/19/1993 -56.43 -2.88 16.72 11.25 8.24 11/30/2008
Pacific/Asia ex-Japan
FID CHINA REGION
Inception Date 11/01/1995 -49.48 0.83 5.71 7.64 6.41 11/30/2008
FID SOUTHEAST ASIA
Inception Date 04/19/1993 -56.04 0.97 9.46 9.63 5.51 11/30/2008
World Stock
AF CAP WORLD G&I R5
Inception Date 05/15/2002 -40.86 -1.47 6.01 N/A 6.31 10/31/2008
AF NEW PERSPECT R5
Inception Date 05/15/2002 -39.56 -1.72 4.32 N/A 4.07 10/31/2008
DODGE & COX GLOBAL
Inception Date 05/01/2008 N/A N/A N/A N/A -45.00 10/31/2008
FID WORLDWIDE
Inception Date 05/30/1990 -42.33 -5.95 1.64 3.06 5.79 11/30/2008
VANG GLOBAL EQ INV
Inception Date 08/14/1995 -49.40 -6.83 1.94 6.16 6.85 10/31/2008

VANG SM GR IDX INST
Inception Date 05/24/2000 -39.52 -5.43 1.02 N/A 2.95 10/31/2008
VANG SM CAP IDX INST
Inception Date 07/07/1997 -36.60 -5.63 1.98 5.35 4.44 10/31/2008
Blended Fund Investments*
Large Blend
VANG LIFEST GROWTH
Inception Date 09/30/1994 -34.98 -4.01 1.55 2.05 6.62 10/31/2008
Conservative Alloc.
FID ASSET MGR 20%
Inception Date 10/01/1992 -15.97 -1.50 1.48 3.26 5.69 11/30/2008
VANG LIFEST CON GRTH
Inception Date 09/30/1994 -20.71 -0.75 2.14 3.33 6.56 10/31/2008
VANG LIFEST INCOME
Inception Date 09/30/1994 -12.29 0.96 2.46 3.87 6.50 10/31/2008
VANG WELLESLEY ADM
Inception Date 05/14/2001 -14.14 1.11 3.40 N/A 4.15 10/31/2008
Convertibles
FID CONVERTIBLE SEC
Inception Date 01/05/1987 -50.09 -12.33 -4.48 3.48 8.84 11/30/2008
PIM CONVERTIBLE INST
Inception Date 03/31/1999 -38.30 -6.75 -1.41 N/A 2.60 10/31/2008
VANG CONVERTIBLE SEC
Inception Date 06/17/1986 -34.12 -3.35 0.49 5.25 6.98 10/31/2008
Moderate Allocation
AF BALANCED R5
Inception Date 05/15/2002 -25.59 -1.98 1.75 N/A 2.38 10/31/2008
DODGE & COX BALANCED
Inception Date 06/26/1931 -34.23 -6.63 0.14 5.42 N/A 10/31/2008
FID ASSET MGR 50%
Inception Date 12/28/1988 -30.24 -6.36 -1.54 1.17 7.15 11/30/2008
FID ASSET MGR 70%
Inception Date 12/30/1991 -37.47 -9.14 -2.99 -0.77 5.77 11/30/2008
FID BALANCED
Inception Date 11/06/1986 -32.74 -5.99 0.76 3.68 8.19 11/30/2008
FID PURITAN
Inception Date 04/16/1947 -30.64 -5.28 0.44 2.12 10.81 11/30/2008
FID STRAT DIV & INC
Inception Date 12/23/2003 -44.24 -12.57 N/A N/A -3.43 11/30/2008
PIM ALL A ALL AUTH I
Inception Date 10/31/2003 -13.13 0.42 4.26 N/A 4.26 10/31/2008
PIM ALL ASSET INST
Inception Date 07/31/2002 -20.09 -1.98 2.59 N/A 5.77 10/31/2008
VANG ASSET ALLOC ADM
Inception Date 08/13/2001 -35.36 -4.86 0.42 N/A 0.45 10/31/2008
VANG BAL IDX SIG
Inception Date 09/01/2006 -23.03 N/A N/A N/A -5.32 10/31/2008
VANG LIFEST MOD GRTH
Inception Date 09/30/1994 -27.69 -2.16 2.04 2.85 6.75 10/31/2008
VANG STAR
Inception Date 03/29/1985 -27.94 -2.66 2.12 4.07 9.13 10/31/2008
VANG WELLINGTON ADM
Inception Date 05/14/2001 -24.97 -0.51 3.81 N/A 3.47 10/31/2008
World Allocation
FID GLOBAL BALANCED
Inception Date 02/01/1993 -27.15 -1.33 4.22 4.63 7.03 11/30/2008
Large Blend
FID FREEDOM 2040
Inception Date 09/06/2000 -41.02 -9.29 -1.42 N/A -3.97 11/30/2008
Large Growth
FID ASSET MGR 85%
Inception Date 09/24/1999 -41.26 -10.02 -2.32 N/A -0.37 11/30/2008
Target-Date 2000-2014
FID FREEDOM 2000
Inception Date 10/17/1996 -15.45 -1.49 0.95 2.90 4.75 11/30/2008
FID FREEDOM 2005
Inception Date 11/06/2003 -26.63 -4.55 -0.03 N/A 0.05 11/30/2008
FID FREEDOM 2010
Inception Date 10/17/1996 -27.64 -4.87 -0.14 2.39 4.85 11/30/2008
FID FREEDOM INCOME
Inception Date 10/17/1996 -13.64 -1.10 0.99 2.80 4.06 11/30/2008
VANG TARGET RET 2005
Inception Date 10/27/2003 -18.34 -0.45 2.03 N/A 2.23 10/31/2008
VANG TARGET RET 2010
Inception Date 06/07/2006 -22.92 N/A N/A N/A -2.88 10/31/2008
VANG TARGET RET INC
Inception Date 10/27/2003 -13.45 0.48 2.29 N/A 2.39 10/31/2008
Target-Date 2015-2029
FID FREEDOM 2015
Inception Date 11/06/2003 -29.52 -5.22 0.16 N/A 0.24 11/30/2008
FID FREEDOM 2020
Inception Date 10/17/1996 -34.44 -6.90 -0.53 1.70 4.50 11/30/2008
FID FREEDOM 2025
Inception Date 11/06/2003 -35.94 -7.49 -0.70 N/A -0.61 11/30/2008
VANG TARGET RET 2015
Inception Date 10/27/2003 -26.01 -2.09 1.62 N/A 1.80 10/31/2008
VANG TARGET RET 2020
Inception Date 06/07/2006 -28.64 N/A N/A N/A -4.82 10/31/2008
VANG TARGET RET 2025
Inception Date 10/27/2003 -31.41 -3.53 1.06 N/A 1.28 10/31/2008
Target-Date 2030+
FID FREEDOM 2030
Inception Date 10/17/1996 -39.22 -8.60 -1.19 0.93 3.87 11/30/2008
FID FREEDOM 2035
Inception Date 11/06/2003 -40.04 -8.95 -1.29 N/A -1.17 11/30/2008
FID FREEDOM 2045
Inception Date 06/01/2006 -41.45 N/A N/A N/A -13.20 11/30/2008
FID FREEDOM 2050
Inception Date 06/01/2006 -42.94 N/A N/A N/A -13.97 11/30/2008
VANG TARGET RET 2030
Inception Date 06/07/2006 -33.96 N/A N/A N/A -6.83 10/31/2008
VANG TARGET RET 2035
Inception Date 10/27/2003 -35.41 -4.48 1.06 N/A 1.32 10/31/2008
VANG TARGET RET 2040
Inception Date 06/07/2006 -35.32 N/A N/A N/A -7.70 10/31/2008
VANG TARGET RET 2045
Inception Date 10/27/2003 -35.42 -4.15 1.60 N/A 1.90 10/31/2008
VANG TARGET RET 2050
Inception Date 06/07/2006 -35.35 N/A N/A N/A -7.51 10/31/2008
Bond Investments
Bank Loan
FID FLOAT RT HI INC
Inception Date 08/16/2000 -16.90 -3.18 -0.24 N/A 1.57 11/30/2008
Emerging Markets Bond
FID NEW MARKETS INC
Inception Date 05/04/1993 -23.47 -2.89 3.14 10.40 10.08 11/30/2008
PIM EM LOCAL BD INST
Inception Date 12/29/2006 -21.73 N/A N/A N/A -5.09 10/31/2008
PIM EM MKTS BD INST
Inception Date 07/31/1997 -22.49 -2.16 3.45 12.86 9.21 10/31/2008
High Yield Bond
FID CAPITAL & INCOME
Inception Date 11/01/1977 -33.32 -7.43 -1.02 2.28 8.66 11/30/2008
FID HIGH INCOME
Inception Date 08/29/1990 -27.02 -6.01 -0.89 0.69 7.19 11/30/2008
PIM HIGH YIELD INST
Inception Date 12/16/1992 -23.47 -3.82 0.73 3.27 6.20 10/31/2008
VANG HI YLD CORP ADM
Inception Date 11/12/2001 -23.62 -4.39 -0.21 N/A 2.04 10/31/2008
Intermediate Gov't
FID GINNIE MAE
Inception Date 11/08/1985 5.48 5.82 4.78 5.34 7.11 11/30/2008
FID INFLAT PROT BOND
Inception Date 06/26/2002 -8.05 0.59 2.37 N/A 4.10 11/30/2008
FID INTM GOVT INCOME
Inception Date 05/02/1988 7.83 6.47 4.66 5.35 6.39 11/30/2008
FID MORTGAGE SEC
Inception Date 12/31/1984 -0.27 1.69 2.42 4.44 7.16 11/30/2008
PIM GNMA INST
Inception Date 07/31/1997 3.48 5.14 4.50 6.00 6.24 10/31/2008
PIM MORTGAGE BCKD IS
Inception Date 07/31/1997 0.09 4.04 3.90 5.68 6.07 10/31/2008
VANG GNMA ADM
Inception Date 02/12/2001 3.93 4.93 4.38 N/A 5.08 10/31/2008
VANG INTM TREAS ADM
Inception Date 02/12/2001 7.57 6.20 4.77 N/A 5.89 10/31/2008
Intermediate-Term Bond
DODGE & COX INCOME
Inception Date 01/03/1989 -5.82 1.29 2.07 4.66 7.06 10/31/2008
FID INTERMED BOND
Inception Date 05/23/1975 -8.35 -0.09 0.99 3.75 7.71 11/30/2008
FID TOTAL BOND
Inception Date 10/15/2002 -8.43 0.30 1.78 N/A 2.78 11/30/2008
FIDELITY GOVT INCOME
Inception Date 04/04/1979 7.78 6.63 5.18 5.46 8.29 11/30/2008
FIDELITY INVST GR BD
Inception Date 08/06/1971 -9.72 -0.70 1.01 3.62 7.16 11/30/2008
PIM INVT GRD BD INST
Inception Date 04/28/2000 -5.91 1.62 2.72 N/A 6.22 10/31/2008
PIM MOD DURAT INST
Inception Date 12/31/1996 0.94 3.70 3.30 5.14 5.66 10/31/2008
PIM TOT RT III INST
Inception Date 05/01/1991 1.42 4.12 4.02 5.53 7.35 10/31/2008
PIM TOTAL RT INST
Inception Date 05/11/1987 1.70 4.41 4.25 5.73 7.97 10/31/2008
VANG INTM BD IDX SIG
Inception Date 06/04/2007 -3.52 N/A N/A N/A 0.35 10/31/2008
VANG INTM INV GR ADM
Inception Date 02/12/2001 -10.65 -0.37 1.15 N/A 3.63 10/31/2008
Long Government
PIM LT US GOVT INST
Inception Date 07/01/1991 -0.53 2.82 3.84 5.61 8.78 10/31/2008
PIM REAL RETURN INST
Inception Date 01/29/1997 -6.58 0.66 2.71 6.40 6.29 10/31/2008
PIM RL RT ASSET INST
Inception Date 11/12/2001 -12.46 -1.93 2.29 N/A 5.29 10/31/2008
VANG LT TREASURY ADM
Inception Date 02/12/2001 4.68 4.90 5.45 N/A 6.27 10/31/2008
Long-Term Bond
VANG LT BOND IDX INV
Inception Date 03/01/1994 -8.89 0.17 2.60 4.75 6.36 10/31/2008
VANG LT INV GR ADM
Inception Date 02/12/2001 -15.43 -2.68 0.91 N/A 3.70 10/31/2008
Multisector Bond
FID STRATEGIC INCOME
Inception Date 05/01/1998 -14.73 -0.59 2.30 5.28 5.00 11/30/2008
PIM DIVERS INC INST
Inception Date 07/31/2003 -15.83 -1.51 2.29 N/A 3.30 10/31/2008
Short Government
FID INST SH INT GOVT
Inception Date 11/10/1986 6.72 5.83 4.09 4.90 6.15 11/30/2008
VANG ST FEDERAL ADM
Inception Date 02/12/2001 5.33 5.31 3.75 N/A 4.49 10/31/2008
VANG ST TREASURY ADM
Inception Date 02/13/2001 7.00 5.75 3.98 N/A 4.72 10/31/2008
Short-Term Bond
FID SHORT TERM BOND
Inception Date 09/15/1986 -4.07 0.75 1.31 3.50 5.15 11/30/2008
PIM LOW DUR III INST
Inception Date 12/31/1996 -0.71 3.09 2.54 4.18 4.61 10/31/2008
PIM LOW DUR INST
Inception Date 05/11/1987 -0.97 3.06 2.60 4.26 6.37 10/31/2008
VANG ST BOND IDX SIG
Inception Date 03/30/2007 3.63 N/A N/A N/A 4.51 10/31/2008
VANG ST INV GR ADM
Inception Date 02/12/2001 -4.31 2.03 2.09 N/A 3.33 10/31/2008
World Bond
AF CAP WORLD BOND R5
Inception Date 05/15/2002 -9.25 2.37 4.25 N/A 7.29 10/31/2008
PIM FOR BD UNHG INST
Inception Date 04/30/2004 -8.79 1.42 N/A N/A 2.04 10/31/2008
PIM FOR BD US$HG I
Inception Date 12/02/1992 -3.71 0.98 2.97 4.84 7.05 10/31/2008
PIM GLOB BD UNHG I
Inception Date 11/23/1993 -7.84 1.42 2.83 4.48 5.87 10/31/2008
PIM GLOB BD US$HG I
Inception Date 02/25/1998 -4.26 1.01 2.76 4.78 4.85 10/31/2008

VANG INFL PROT INST
Inception Date 12/12/2003 -4.25 1.64 N/A N/A 2.88 10/31/2008

**jIM_Ohio** · 12-02-2008, 09:51 AM

Holy fund choices batman.

**jIM_Ohio** · 12-02-2008, 09:54 AM

I don't need to see the results of the funds, so I will trim list down to this

TOTAL STOCK MKT IDX

10/31/2008
International Stocks
INTL STOCK MKT IDX
Real Estate
REIT IDX
INTL REAL ESTATE IDX
Bond Investments
Bonds
STABLE VALUE
INFL PROTECTED BOND
TOTAL BOND MARKET

EXPANDED CHOICE FUNDS
Stock Investments
International Stocks
EUROPEAN STOCK IDX
PACIFIC STOCK IDX
Large-Cap Stocks
LARGE COMPANY IDX
LARGE-CAP VALUE IDX
LARGE-CAP GROWTH IDX
Mid-Cap Stocks
SMALL/MID-CAP IDX
Small-Cap Stocks
SMALL-CAP VALUE IDX
SMALL-CAP GROWTH IDX
Individual Equities
IBM STOCK
10/31/2008
Bond Investments
Bonds
LONG-TERM CORP BOND
HI YLD EMG MKT BOND

MUTUAL FUND WINDOW
Stock Investments
Large Blend
* FID DISCIPLINED EQTY
FID DIVIDEND GROWTH
* FID EXP & MULTINATL
FID FIDELITY
FID FIFTY
FID GROWTH DISCOVERY
FID MEGA CAP STOCK
FID STOCK SELECTOR
PIMCO STKPLUS INST
VANG GRTH & INC ADM
VANG LG CAP IDX SIG
VANG PRIMECAP CORE
VANG TOT STK MKT SIG
Large Growth
AF AMCAP R5
AF GROWTH OF AMER R5
AF NEW ECONOMY R5
FID BLUE CHIP GROWTH
FID CAP APPRECIATION
FID CONTRAFUND
FID GROWTH COMPANY
FID INDEPENDENCE
FID LARGE CAP STOCK
FID OTC PORTFOLIO
FID TREND
VANG FTSE SOCIAL IDX
VANG GROWTH IDX SIG
VANG GRTH EQUITY
VANG MORGAN GRTH ADM
Large Value
AF AMERICAN MUTAL R5
AF FUNDAMNTL INVS R5
AF INVEST CO AMER R5
AF WASH MUTUAL R5
DODGE & COX STOCK
FID EQUITY INCOME
FID EQUITY INCOME II
VANG CAPITAL VAL INV
VANG DIV GROWTH INV
VANG EQUITY INC ADM
VANG US VALUE
VANG VALUE IDX SIG
VANG WINDSOR ADM
VANG WINDSOR II ADM
Mid-Cap Blend
FID LEVERAGED CO STK
FID VALUE STRATEGIES
VANG EXT MKT IDX SIG
VANG MIDCAP IDX INST
VANG STRATEGIC EQ
Mid-Cap Growth
FID MID CAP STOCK
VANG MIDCAP GRTH INV
Mid-Cap Value
FID VALUE
VANG SELECTED VALUE
Small Blend
FID SMALL CAP STOCK
Small Growth
AF SMALLCAP WORLD R5
FID SM CAP INDEPEND
FID SM CAP RTMT
VANG EXPLORER ADM
Small Value
VANG SM VAL IDX INST
Specialty-Nat Resource
PIM COM REAL RET I
Specialty-Real Estate
FID INTL REAL ESTATE
FID REAL ESTATE INC
FID REAL ESTATE INVS
PIM RE REAL RET INST
Diversified Emerg Mkts
AF NEW WORLD R5
Diversified Pac/Asia
FID PACIFIC BASIN
Europe Stock
FID EUROPE
FID EUROPE CAP APP
Foreign Large Blend
AF EUROPAC GROWTH R5
FID CANADA
FID INTL DISCOVERY
FID OVERSEAS
VANG DEVEL MKTS IDX
VANG INTL GROWTH ADM
VANG INTL VALUE INV
VANG TOTAL INTL STK
Foreign Large Growth
FID DIVERSIFIED INTL
Foreign Large Value
DODGE & COX INTL STK
Foreign Sm/Mid Growth
FID INTL SMALL CAP
VANG INTL EXPLORER
Japan Stock
FID JAPAN
FID JAPAN SMALLER CO
Latin America Stock
FID LATIN AMERICA
Pacific/Asia ex-Japan
FID CHINA REGION
FID SOUTHEAST ASIA
World Stock
AF CAP WORLD G&I R5
AF NEW PERSPECT R5
DODGE & COX GLOBAL
FID WORLDWIDE
VANG GLOBAL EQ INV

VANG SM GR IDX INST
VANG SM CAP IDX INST
Blended Fund Investments*
Large Blend
VANG LIFEST GROWTH
Conservative Alloc.
FID ASSET MGR 20%
VANG LIFEST CON GRTH
VANG LIFEST INCOME
VANG WELLESLEY ADM
Convertibles
FID CONVERTIBLE SEC
PIM CONVERTIBLE INST
VANG CONVERTIBLE SEC
Moderate Allocation
AF BALANCED R5
DODGE & COX BALANCED
FID ASSET MGR 50%
FID ASSET MGR 70%
FID BALANCED
FID PURITAN
FID STRAT DIV & INC
PIM ALL A ALL AUTH I
PIM ALL ASSET INST
VANG ASSET ALLOC ADM
VANG BAL IDX SIG
VANG LIFEST MOD GRTH
VANG STAR
VANG WELLINGTON ADM
World Allocation
FID GLOBAL BALANCED
Large Blend
FID FREEDOM 2040
Large Growth
FID ASSET MGR 85%
Target-Date 2000-2014
FID FREEDOM 2000
FID FREEDOM 2005
FID FREEDOM 2010
FID FREEDOM INCOME
VANG TARGET RET 2005
VANG TARGET RET 2010
VANG TARGET RET INC
Target-Date 2015-2029
FID FREEDOM 2015
FID FREEDOM 2020
FID FREEDOM 2025
VANG TARGET RET 2015
VANG TARGET RET 2020
VANG TARGET RET 2025
Target-Date 2030+
FID FREEDOM 2030
FID FREEDOM 2035
FID FREEDOM 2045
FID FREEDOM 2050
VANG TARGET RET 2030
VANG TARGET RET 2035
VANG TARGET RET 2040
VANG TARGET RET 2045
VANG TARGET RET 2050
Bond Investments
Bank Loan
FID FLOAT RT HI INC
Emerging Markets Bond
FID NEW MARKETS INC
PIM EM LOCAL BD INST
PIM EM MKTS BD INST
High Yield Bond
FID CAPITAL & INCOME
FID HIGH INCOME
PIM HIGH YIELD INST
VANG HI YLD CORP ADM
Intermediate Gov't
FID GINNIE MAE
FID INFLAT PROT BOND
FID INTM GOVT INCOME
FID MORTGAGE SEC
PIM GNMA INST
PIM MORTGAGE BCKD IS
VANG GNMA ADM
VANG INTM TREAS ADM
Intermediate-Term Bond
DODGE & COX INCOME
FID INTERMED BOND
FID TOTAL BOND
FIDELITY GOVT INCOME
FIDELITY INVST GR BD
PIM INVT GRD BD INST
PIM MOD DURAT INST
PIM TOT RT III INST
PIM TOTAL RT INST
VANG INTM BD IDX SIG
VANG INTM INV GR ADM
Long Government
PIM LT US GOVT INST
PIM REAL RETURN INST
PIM RL RT ASSET INST
VANG LT TREASURY ADM
Long-Term Bond
VANG LT BOND IDX INV
VANG LT INV GR ADM
Multisector Bond
FID STRATEGIC INCOME
PIM DIVERS INC INST
Short Government
FID INST SH INT GOVT
VANG ST FEDERAL ADM
VANG ST TREASURY ADM
Short-Term Bond
FID SHORT TERM BOND
PIM LOW DUR III INST
PIM LOW DUR INST
VANG ST BOND IDX SIG
VANG ST INV GR ADM
World Bond
AF CAP WORLD BOND R5
PIM FOR BD UNHG INST
PIM FOR BD US$HG I
PIM GLOB BD UNHG I
PIM GLOB BD US$HG I
VANG INFL PROT INST

**jIM_Ohio** · 12-02-2008, 10:07 AM

Step 1- identify goal and timing
Step 2- identify risk profile and plan to reach the goal
Step 3- identify a broad asset allocation (defined in % stocks and % bonds) to meet the risk profile defined in step 2.
Step 4- identify a detailed asset allocation which defines the amount of large cap, small cap, foreign and domestic stocks, as well as the types of bonds you want.

I am 100% stocks; 75% domestic and 25% foreign
45% large cap
15% mid cap
15% small cap
15% foreign large
10% foreign small

I bolded the funds I have either owned before or are quite similar to the ones I hold now.

**zetta** · 12-02-2008, 02:23 PM

I suggest reading The Standard & Poor's Guide to the Perfect Portfolio and The Intelligent Asset Allocator to help you decide on your allocation, and then Morningstar's Five-Star Guide to Mutual Funds to help you evaluate your choices.

There are notes from some of these books in the Booknotes catagory in my blog.

**EdMitchell** · 12-04-2008, 06:48 PM

Jim, I have determined that the best choice for myself is:
Large Blend 40
Large Value 15
Foreign Large Blend 20
Mid Cap 15
Small Cap 10

Large Blend
FID DISCIPLINED EQTY (FDEQX)
Fidelity Export and Multinational Fund (FEXPX)

Large Value
Dodge & Cox Stock (DODGX)

Foreign Large Blend
American Funds� EuroPacific Growth Fund� Class R5 (RERFX)
Fidelity International Discovery Fund (FIGRX)

Mid Cap
Vanguard Mid Cap Growth (VMGRX)

Small Cap
Fidelity Small Cap Retirement Fund (FSCRX)
Fidelity Small Cap Stock Fund (FSLCX)

Some of the choices are the ones you had bolded on the list.

**EdMitchell** · 12-05-2008, 06:51 AM

Hello Jim, Could you comment on my choices?
Thank YOu

**jIM_Ohio** · 12-05-2008, 01:48 PM

Work contra fund into the mix, other than that, looks solid.

**Investing First Steps** · 12-05-2008, 02:57 PM

May I ask why the 100% stock choice?

**EdMitchell** · 12-05-2008, 05:59 PM

I was going to have about 20% in bonds but after doing my mathematical calculations it seems that inflation is at a higher % than what bonds paid. If I did I would have gone with the Treasury inflation Protected.

I could be totally incorrect so this is just my observation. Also, I was willing to take the risk.

**jIM_Ohio** · 12-06-2008, 10:21 AM

The historical difference between 80-20 and 100 is minimal (less than 1 percent). Volatility is lower in 80-20.

**dash44** · 12-05-2010, 03:57 PM

ED,

I'd suggest using some Pimco on the fixed income side. Watch out for FID DISCIPLINED EQTY (FDEQX). And remember as recovery matures sm and mid cap lose momentum.

**disneysteve** · 12-05-2010, 04:49 PM

Originally posted by dash44 View Post

ED,

I'd suggest using some Pimco on the fixed income side. Watch out for FID DISCIPLINED EQTY (FDEQX). And remember as recovery matures sm and mid cap lose momentum.

Welcome to the site, dash44. While we look forward to your participation, please stick to commenting on current or reasonably recent threads. Dredging up ancient threads is typically of little value to anyone. This thread is 2 years old. I don't even know if the OP is still around to see your post.

Thanks.

401k allocation Help