The Full Motley: 2Q 2009, Part 2

I just submitted my new allocation, and it was funny because I went against my instincts, but at the same time, I felt better for it because half of my contributions are already going to Fund 84, so it was only 5% going to this fund in question and I think my instincts might be wrong.  This fund is the Total Int'l Stock Index Fund (Fund 113) but I think the Nikkei is outpacing the Dow and I've heard China has epic growth opportunities, so 5% won't make too much of a difference either way, and it is worth the risk to have this exposure.

Below are my future allocations for the next three months, followed by what I have earmarked for my allocations three months from now:

Fund 29 - 0% / 5%
Fund 84 - 55% / 10%
Fund 24 - 15% / 25%
Fund 113 - 5% / 10%
Fund 85 - 25% / 50%

Additionally, I moved some money from Fund 84 to try out another bond fund: GNMA, aka Fund 36.  This won't affect my overall allocation because they're both bond funds, and I moved an even amount, so I can keep a lazy eye on it.  I am basically giving it a try-out potentially to replace my exposure in Fund 29 (Hi-Yield).

As mentioned above, no new money is going to Fund 29 and depending how Fund 36 performs in the next three months, I may redirect the expected 5% earmarked for Fund 29 into Fund 36.

One fund that I have not discussed yet is Vanguard Explorer fund (Fund 24) which is a high-risk fund.  I don't expect high-risk, aggressive stocks to perform better than the blue chips during the rebound, but once the market has topped 10,000, then I think that opportunity exists, so if the market recovery outpaces my expectations, I have 15% (or 25% for third quarter) going to the fund to hedge against my expectations.



DISCLAIMER: Please remember that I am neither licensed nor permitted to give specific advice, so if you want investment recommendations, then please consult with a financial advisor or reputable financial sources; my favorite website is CNNFN.com and my favorite radio station is KFNN 1510 AM "Radio That Makes You Money." The investment decisions presented above were tailored to my risk-tolerance and my financial goals. Many financial plans are at no cost to you (advisers are often paid by the investments where your money is placed).