PP here. i take that back. do 80% in a targeted retirement fund and spread the rest over some sector/actively traded funds for shits and giggles.

just off the top of my head, i would do something like 70% in vanguard's total stock market index, 10% in vanguard's s&p index, and the rest spread out over a couple of vanguard's sector-specific funds (e.g., healthcare).

relying too much on particular sectors or trying to pick actively traded funds is probably not going to work out well for you.

How to pick the funds?

Anonymous wrote:

Anonymous wrote:I'm early 40s, plan to work until my 70s, have real estate investments and assets but not much in retirement accounts unfortunately. I'm working on that now as my new job provides a safe harbor and I can afford to also max out the annual contributions.
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I think this is fine as a plan, but please bear in mind that many people end up with health issues or work issue that mean they are unable to work that long...

True. But I'm a partner at a regional law firm. No retirement age. Not that hard physically. I think early 70s is safe.

Anonymous wrote:I'm early 40s, plan to work until my 70s, have real estate investments and assets but not much in retirement accounts unfortunately. I'm working on that now as my new job provides a safe harbor and I can afford to also max out the annual contributions.
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I think this is fine as a plan, but please bear in mind that many people end up with health issues or work issue that mean they are unable to work that long...