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EMC

EMC

40/60

40% Equity

U.S. Large-Cap Blend
9% Spartan 500 Index
U.S. Small-Cap Growth
9%  Spartan Small Cap Index
International Large-Cap Growth
18%  ACW ex U.S.
REITs
4% Vanguard REIT

60% Fixed Income

Intermediate-Term Bond
45%  BTC U.S. Debt Fund
Short-Term Bond
15% Fidelity Institutional Money Market
 

60/40

60% Equity

U.S. Large-Cap Blend
13% Spartan 500 Index
U.S. Small-Cap Growth
14%  Spartan Small Cap Index
International Large-Cap Growth
27%  ACW ex U.S.
REITs
6% Vanguard REIT

40% Fixed Income

Intermediate-Term Bond
30%  BTC U.S. Debt Fund
Short-Term Bond
10% Fidelity Institutional Money Market

80/20

80% Equity

U.S. Large-Cap Blend
18% Spartan 500 Index
U.S. Small-Cap Growth
18%  Spartan Small Cap Index
International Large-Cap Growth
36%  ACW ex U.S.
REITs
8% Vanguard REIT

20% Fixed Income

Intermediate-Term Bond
15%  BTC U.S. Debt Fund
Short-Term Bond
5% Fidelity Institutional Money Market

The following asset classes are missing from this portfolio:

US Large Cap Value
US Small Cap Value
Int'l Large-Cap Value

Int'l Small-Cap Growth
Int'l Small-Cap Value
Emerging Markets
TIPS (inflation protection)

You should try to invest in as many of these asset classes as possible through IRA or individual taxable accounts to arrive at a portfolio that comes close to the chart below:

401411-allocation chart.png