The following is a portfolio allocation for a retirement portfolio. This actual allocation was created for an individual who is approaching early retirement, has the ability and desire to take on slightly higher risk, and will have some income provided after retirement. All portfolios can be based off this allocation by adjusting the percentages for return/risk objectives. These allocation are based on a buy and hold strategy and should be revisited periodically, but not too often. If you have any questions or comments about this please feel free to email me at richie1780@hotmail.com. If you are clueless as to what this is, you should definitely seek the advice of a financial professional for all your investment decisions. Despite what the average person likes to think YOU CAN’T MANAGE THIS STUFF WITHOUT UNDERSTANDING IT FULLY!

Equities
Domestic						Symbol
	Sectors:			16%
	Industrials		5%			FSCGX
	Technology (included 2% IGM)		6%			IGM
	Software	2%				IGV
	Semiconductor	2%				IGW
	Transportation		5%			FSRFX
	Cap/Style			24%
	Large		12%
	Growth	8%				IVW
	Value	4%				IVE
	Medium Blend		6%			IJH
	Small Value		6%			IJS
	other possible plays: IBM, CSCO, GLW, AMAT, BA
Domestic Equity Total					40%
International
	Canada			2%		EWC
	Japan			4%		EWJ
	Germany			2%		EWG
	India			5%		IIF
	South Korea			3%		MAKOX
	Latin America			2%		ILF
	Ireland			2%		IRL
	Small/Mid Value			3%		OSMCX
	Aian Tigers - ex Japan			5%		MAPTX
	South Africa			2%		EZA
	Emerging Markets					SSEMX
International Total					30%
Fixed Income
	International Bond			15%		BEGBX
	Domestic Short Term Bond			10%		WTIBX
Total Fixed Income					25%
Other
	Commodity Fund				5%	FSDPX
Total					100%
Summary
Domestic		50%
Equity	40%
Fixed Income	10%
International		45%
Equity	30%
Fixed Income	15%
Other		5%