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Originally Posted by newgolddream
The decision was based on a series of long conversations we had about my financial future. My dad has much, much more experience in investing and financial management then I do. I have deferred to his knowledge in this area.
I do understand that I need to think of all of the funds as one big retirement umbrella. The individual funds in the Target Retirement 2045 are index funds, my 401K is in Fidelity International funds and a Mid Cap Growth fund, with the match going into company stock.
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That's good. I kind of figured that was the situation.
As for your allocation, I'm glad you recognize the need to look at the big picture. Right now, 18.2% of Vanguard 2045 is in International funds. So if your 401k is also being partly invested in International funds, just keep track of how much of your overall portfolio is International. 20% or so is probably plenty, but you need to decide that on your own.