Some comments:

1. US stocks allocation is too big, reduce it to 40% is better: 20% large, 10% mid, 10% small.

2. Increase foreign cap allocation to 30%: 20% EFA, 10% emerging market.

3. Instead of telecom and tech sector funds, consider natural resources.

So in the end, you have:
20% large cap, better use S&P 500 index fund here;
10% mid cap, use a mid cap index fund;
10% small cap, again use index fund;
20% EFA, Vanguard has a nice world index fund;
10% emerging market;
10% health care;
20% natural resources.

Don't bother with bond or real estate funds for now, they will suck for several more years. I would rather have CDs than to buy bond funds.

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• Thanks for your recommendations.... -caren- ♀ (92 bytes) () 07/17/2007 postreply 20:25:21