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Here is the most diversified and best allocation for a 23 year old. Notice its all equity.

10% Fidelity Spartan 500 Index ( FSMKX )

10% Fidelity Structured Large Cap Value

10% Fidelity Small Cap Independence (FDSCX)

10% Fidelity Small Cap Value (FCPVX)

10% Fidelity Real Estate (FRESX)

10% Fidelity Spartan International Index (FSIIX)

20% Fidelity Int'l Small Cap Opportunity

10% Fidelity International Value (FIVLX)

10% Fidelity Emerging Markets (FEMKX)

I have a very similar portfolio over at vanguard.


It's great that you're helping your daughter with her AA. I'm close to her age, but I'm aiming for a 90/10 allocation... having never lost $$$ in a bear market makes me a little cautious about how I'd act when the going gets tough. know thyself I guess. :)

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