It's time to reanalyze my retirement fund.
Thanks to Charles Schwab's nifty online tools, I can do portfolio analysis at a click and get a readout of how much I need to invest in which categories. Then comes the tricky part of choosing funds.
My target allocation is "Moderately Aggressive."
1. Large Cap 45%
2. Small Cap 15%
3. International Equity 20%
4. Fixed Income (bonds) 15%
5. Cash or Equivalent 5%
After I rebalance and choose a new fund for small cap (looking at RDIVX), it's time to make a budget. Can you say New Year's Resolution? I can. But doing it is something else.
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