My formula:
$0-15K 1 sector fund/ETF
15K-50K 2 sector fund/ETF
50-100K 3 sector fund/ETF
100-500K 4 sector fund/ETF with 5-10% in speculation (a must!)
500K+ 5 funds/ETF's with speculation and some bonds
You are in the 4 category so I would trim down all of your assets to 4 categories/funds
It looks like you have about 200K in assets.
I would sell off Apple to a position of around 20K left.
Then, with the rest of the 180K, I'd deploy it equally across international, domestic large cap, commodity, and small caps.
So. . .I'd like your portfolio like this:
45K Large Cap
45K Small Cap
45K Commodity (pick one you are bullish on or go for a broad index)
45K International
20K Apple stock or other speculative investment
Prepare for capital gains tax on your sell of Apple. . .that being said, I agree. . .it's time to "take a profit" on that stock and reduce your exposure.
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