I am interested in opinions.  What would ya'll do with these options.  It's for a 401k to get the match,  The rest goes to a Roth IRA.  Please excuse the choppy cut and paste.




                                                                PRIOR-MONTH    PRIOR-QUARTER    1 YR    5 YR  10 YR    {SINCE INCEPTION}    EXPENSE RATIO  


Stable Value
Guaranteed Income Fund  GoalMaker Investment 0248  Fund Summary0.13% 0.40% 1.65% N/A {2.12%}  0.25%  

Fixed Income - Intermediate Bond
Vanguard Total Bond Market Index Adm  VBTLX 0006,0029,0035,1254  Fund Summary0.12% 1.97% 4.28% 4.75%  4.91%  0.08%  

Fixed Income - Domestic
Core Plus Bond / PIMCO Fund  GoalMaker Investment 0302,1254  Fund Summary0.18% 2.23% 5.40% 5.59%  5.86%  0.46%  

Large Cap Stock - Value
Loomis Sayles Value Y  LSGIX  GoalMaker Investment 0006,0029,0035  Fund Summary2.99% 4.08% 24.60% 17.83%  9.47%  0.72%  

Large Cap Stock - Blend
Vanguard Total Stock Market Idx I  VITSX 0006,0029,0035  Fund Summary2.55% 4.86% 25.18% 19.43%  8.43%  0.04%  

Large Cap Stock - Growth
Large Cap Growth / Jennison Fund  GoalMaker Investment 0302  Fund Summary3.89% 4.68% 30.26% 17.40% {8.93%}  0.92%  

Mid Cap Stock - Value
Mid Cap Value / Systematic Fund 0042,0302  Fund Summary3.55% 4.48% 27.02% 20.29% {10.21%}  0.70%  

Mid Cap Stock - Growth
Nationwide Geneva Mid Cap Growth InSvc  NWHYX 0006,0029,0035,0042  Fund Summary3.29% -0.07% 16.78% 18.06% {18.07%}  1.11%  

Small Cap Stock - Value
Target Small Capitalization Value T  TASVX  GoalMaker Investment 0006,0029,0035,0042  Fund Summary4.15% 3.46% 23.64% 20.09% {12.34%}  0.67%  

Small Cap Stock - Growth
Baron Small Cap Instl  BSFIX  GoalMaker Investment 0006,0029,0035,0042  Fund Summary4.82% 2.89% 22.88% 19.90% {20.00%}  1.05%  


International Stock - Blend

       American Funds EuroPacific Gr R4  REREX  GoalMaker Investment 0006,0029,0035,0141  Fund Summary0.91% 2.85% 21.92% 11.60%  8.78%  0.84%  
Vanguard Developed Markets Idx Admiral  VTMGX 0006,0029,0035,0141  Fund Summary1.06% 4.25% 23.50% 11.77%  7.06%  0.09%  

I would overweight the stock funds, and within that I would overweight the small and midcap funds.

I would avoid stable value altogether.

I would underweight the bond funds.  (I wish my 401k offered a long term treasury fund, that seems like an obvious choice for some, (not too much!), of an investment portfolio.  Rates will go up at some point, IDKW.  After they do, I would still underweight bonds, just not as much.

Some will say that your age plays a big factor.  If you are getting long in the tooth, conventional wisdom says to have more in bonds than if you are a youngster.

My advice would be considered to be very aggressive by some.

I am 58, and I follow my own advice.

I am 35, and tend to lean aggressive. Thanks.

I would have at least 50% in VITSX.

Conventional theory says hold some bonds but I don't like them.

I put about 50% of my money in total stock market, 30% in total international and the other 20% I play with and choose what I like at the moment. Currently my 20% is in small cap, mid cap and natural resources.

So given those choices I would probably do something like

50% VITSX
30% VTMGX
10% BSFIX
10% ? Maybe mid cap

I would over-weight large cap US stock over small cap US stock.  Large cap stocks trail small in returns during a recovery and small-caps have had a fantastic run.  Above that we have not had a market correction for some time.  Although you are in this for the long term over-weighting large caps right now will insulate you a little bit from the volatility of small-caps during the next correction or two. Might be time for the value end to shine, but exposure to top three style boxes is favorable.  US Large cap 55-60%, US small cap 20-25%.

Although bond returns have been surprising this year all things considered interest rates will drive existing bond values down when they rise and they are on the bottom floor still.  I believe in a balanced approach, yet I hold no bonds due to my time horizon.  You seem to be in a similar boat.

20%-25% in foreign/emerging markets as they have underperformed and seem to be poised for growth US stock cannot attain right now.