Here is my asset allocation for both my Roth IRA, and for my 401k.
Total Return Bond 7.98%
Treasury Inflat Protected 13.24%S&P 500 Index 34.30%
Small & Mid Cap Index 30.76%
Intl Index 13.72%
Individual Stocks 40.7%
Mutual Funds (non index) 21%
Money Market 38.3%
Today I am rebalancing (which means sticking to your set investment goals in percentages of what you invest in) and adding to my bond holdings in my Roth.
I intend to use the money market cash to invest in a bond index fund.
I plan on reducing my individual stock exposure incrementally, as many of those are stocks I experimented with when I started my first Roth a few years back. As I shift out of the individual stocks, I intend to add to my Treasury Inflation Protected Securities, which are intended to return more if inflation increases.
I also intend to rebalance some of the small and mid cap index, as that has grown to be a larger part of my allocation than originally intended.
My goals for allocation are:
Individual stocks <5%
S&P Index 40%
Intl Index 10%
Small/Mid Index 10%
Ultimately, my goals is to be entirely invested in low cost index funds.