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Allocations! Allocations!! Allocations!!!

August 20th, 2008 at 07:43 am

Here is what I have, I am open to any comments.

Growth and Income(4 stars in morning star): 20%

Income(Bonds): 10%

MidCap Blend: 30% (5 stars in morning star)

Large Cap Value:20% (4 stars in morning star)

Aggresive Growth (Large cap. International) 20% (5 stars in morning star)

6 Responses to “Allocations! Allocations!! Allocations!!!”

  1. Broken Arrow Says:

    Without any further information, I'd say that looks as good as any....

    Just curious, but any reason why you've allocated 30% to the mid cap?

    Best advice I can give right now is to read through all the prospectuses of each fund. If you want more feedback, it would really help if you could provide us the ticker of these funds.

  2. financial fitness Says:

    Hey there, do not pass go until you get the prospectus on each fund and look at the individual holdings.

    Look into growth and income fund to see how much is bond vs. stock so you have clear % on your bond/stock %.

    Also, have you looked at expense ratios and passive vs. active?

    Disregard and forgive if you have already done so, I just saw this crop up on pfblogs.org.

  3. jIM_Ohio Says:

    small caps?
    international?
    bonds?
    commodities?

    Growth and Income is not an asset class- neither is aggressive growth. Stop taking investment advice from Dave Ramsey.

    If not taking advice from DR, sorry- but what you are doing is similar to his bad advice on investing.

  4. baselle Says:

    How old are you and how long is this money going to stay in place? And what are your choices? Sometimes 401K/403B has a pretty limited amount of choice, so you have to go with that.

    Just offhand, you definitely want to see how much overlap you have between the aggressive growth and the large cap value fund. Even if one is supposedly "international", lots of large cap companies are multi-national. Oh yes, large capitalized companies very rarely grow aggressively - it would be the economic version of a tumor. Smile
    Basically, on the macro level you have an asset allocation of 90% stock and 10% bonds.

  5. Casey Says:

    No I am not taking my investing advice from DR. I am trying to do the best I can and diversify with what I have available as options. There are no small caps available to me. So I just tried and go with whatever I thought was okay. BA, I will post my ticker symbols soon.

  6. jIM_Ohio Says:

    Post your choices when you post tickers for better advice or more comments.

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