Quote:
Asset Class Subclass Fund Name Current %
Stock Investments LARGE CAP FID CONTRAFUND 10%
Stock Investments LARGE CAP FID GROWTH COMPANY 10%
Stock Investments LARGE CAP FID OTC PORTFOLIO 10%
Stock Investments MID-CAP AM CENT VISTA INV 10%
Stock Investments MID-CAP FIDELITY LOW PR STK 10%
Stock Investments MID-CAP PERKINS MID CP VAL T 10%
Stock Investments MID-CAP TRP MID CAP GROWTH 10%
Stock Investments SMALL CAP ROYCE OPPORTUNITY S 10%
Stock Investments SMALL CAP VANG SM CAP IDX INV 10%
Bond Investments INCOME FID HIGH INCOME 5%
Bond Investments INCOME FIDELITY US BD INDEX 5%
Total: 100%
thoughts on the 401k allocations and where to put my rollover IRA monies?
This is overly complex and in my opinion far far too heavily tilted towards Mid and Large Cap Growth due to significant overlap. Large Value is essentially absent. Now, if you are bring value back, hard, with the IRA, this allocation may not be bad (using something like Vanguards Value Index) - you have to consider the entire investment portfolio and not just the pieces individually.
Without knowing all of your available funds...I'd change allocations markedly to something like:
Stock Investments LARGE-BLEND TOTAL STOCK MARKET 35%
Stock Investments LARGE CAP FID CONTRAFUND 25%
Stock Investments SMALL CAP VANG SM CAP IDX INV 15%
Stock Investments MID-CAP PERKINS MID CP VAL T 10%
Stock Investments MID-CAP TRP MID CAP GROWTH 5%
Bond Investments INCOME FID HIGH INCOME 5%
Bond Investments INCOME FIDELITY US BD INDEX 5%
It would be rather odd to not have a total stock market type of fund, like Vanguards TSM, in your 401k considering the other options you have.
With the above allocation you keep a slight tilt towards the growth side of the spectrum (mid especially, considering how heavy it was before). You don't want to completely ignore value though as it is value that tends to do better during recessionary periods.
If you want to stick with your original 401K allocation, you need to consider something that is heavily value tilted in the IRA to balance things out, something like Vanguards Value Index as mentioned (VIVAX ticker)