401k options

[JinCO]

Any recommendations or advice on how I should be allocated? I am more than 20 years away from retirement and would like a fairly aggressive portfolio. Here are my 401k options. I have included the category and expense ratio.

WF COLL STABLE RETURN (DSVGI) STABLE VALUE 0.4
PIMCO TOTAL RETURN (PTTRX) BOND 0.43
PIMCO REAL RETURN (PRRIX) INFLATION PROTECTED BOND 0.45
OAKMARK EQUITY & INCOME (OAKBX) GROWTH ALLOCATION 0.83
DODGE & COX STOCK (DODGX) LARGE VALUE 0.52
VANGUARD INSTITUTIONAL INDEX (VINIX) LARGE BLEND 0.05
FIDELITY CONTRA (FCNTX) LARGE BLEND 0.89
AM GROWTH FD OF AMERICA (RGAFX) LARGE GROWTH 0.35
T. ROWE PRICE MID CAP (RPMGX) MID CAP GROWTH 0.78
WF ADVANTAGE SMALL CAP (NVSOX) STOCK - SMALL BLEND 1.2
AMER FNDS EUROPACIFIC GRWTH (RERFX) FOREIGN LARGE BLEND 0.51
T ROWE PRICE RETIREMENT INCOME (TRRIX) TARGET (TODAY) 0.56
T ROWE PRICE RETIREMENT 2015 (TRRGX) TARGET (2015) 0.66
T ROWE PRICE RETIREMENT 2025 (TRRHX) TARGET (2025) 0.72
T ROWE PRICE RETIREMENT 2035 (TRRJX) TARGET (2035) 0.74
T ROWE PRICE RETIREMENT 2045 (TRRKX) TARGET (2045) 0.75

[jIM_Ohio]

WF COLL STABLE RETURN (DSVGI) STABLE VALUE 0.4
PIMCO TOTAL RETURN (PTTRX) BOND 0.43
PIMCO REAL RETURN (PRRIX) INFLATION PROTECTED BOND 0.45
OAKMARK EQUITY & INCOME (OAKBX) GROWTH ALLOCATION 0.83
DODGE & COX STOCK (DODGX) LARGE VALUE 0.52
VANGUARD INSTITUTIONAL INDEX (VINIX) LARGE BLEND 0.05
FIDELITY CONTRA (FCNTX) LARGE BLEND 0.89
AM GROWTH FD OF AMERICA (RGAFX) LARGE GROWTH 0.35
T. ROWE PRICE MID CAP (RPMGX) MID CAP GROWTH 0.78
WF ADVANTAGE SMALL CAP (NVSOX) STOCK - SMALL BLEND 1.2
AMER FNDS EUROPACIFIC GRWTH (RERFX) FOREIGN LARGE BLEND 0.51
T ROWE PRICE RETIREMENT INCOME (TRRIX) TARGET (TODAY) 0.56
T ROWE PRICE RETIREMENT 2015 (TRRGX) TARGET (2015) 0.66
T ROWE PRICE RETIREMENT 2025 (TRRHX) TARGET (2025) 0.72
T ROWE PRICE RETIREMENT 2035 (TRRJX) TARGET (2035) 0.74
T ROWE PRICE RETIREMENT 2045 (TRRKX) TARGET (2045) 0.75

The blue funds I either own now or used to own at one point.
The green fund is a really good one.

Go 80-20 (80% equity and 20% bond).

5% PIMCO TOTAL RETURN (PTTRX) BOND 0.43
15% PIMCO REAL RETURN (PRRIX) INFLATION PROTECTED BOND 0.45
20% VANGUARD INSTITUTIONAL INDEX (VINIX) LARGE BLEND 0.05
15% FIDELITY CONTRA (FCNTX) LARGE BLEND 0.89
10% T. ROWE PRICE MID CAP (RPMGX) MID CAP GROWTH 0.78
10% WF ADVANTAGE SMALL CAP (NVSOX) STOCK - SMALL BLEND 1.2
25% AMER FNDS EUROPACIFIC GRWTH (RERFX) FOREIGN LARGE BLEND 0.51

This is 35% large cap domestic, 10% mid cap domestic, 10% small cap domestic and 25% international. Plus 20% bonds (most of which are indexed to inflation).

[humandraydel]

Two options:

1. Decide on stock/bond allocation and pick a Target Retirement Fund (2035 maybe?) with a similar allocation.

2. Build your own portfolio - I would do something like:


25% PIMCO TOTAL RETURN (PTTRX) BOND 0.43
10% DODGE & COX STOCK (DODGX) LARGE VALUE 0.52
25% VANGUARD INSTITUTIONAL INDEX (VINIX) LARGE BLEND 0.05
15% T. ROWE PRICE MID CAP (RPMGX) MID CAP GROWTH 0.78
25% AMER FNDS EUROPACIFIC GRWTH (RERFX) FOREIGN LARGE BLEND

[creditcardfree]

Fidelity just opened the Contra Fund to new investors again. It had been closed to new investors in the past.

[JinCO]

Thanks for the recommendations. I have updated my allocation. Hopefully 2009 will be better than 2008!