Date: Wed, 10 May 2006 14:23:33 -0500
From: joetaxpayer 
Subject: Re: Need Allocation Advice
Newsgroups: misc.invest.financial-plan
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LawsFinance wrote:
> 
> Large Cap (Russell 1000).................12%
> Large Cap Value (Russell 1000 value).....12%
> Small Cap (Russell 2000).................16%
> Small Cap Value (Russell 2000 value).....16%
> Microcap.................................4%
> Real Estate..............................0%
> International Developed (EFA)............11%
> International Developed Value (EFV)......11%
> Emerging Markets (EEM)...................18%
> Bonds....................................0%

My only remark is that when looking at the R1000 and R1000 value, 
there's quite a bit of overlap. I'd think you could elimate that by 
investing some in growth, some in value, but as value has beaten growth 
in every time span, 11.21 vs 6.21 over the ten year period, you might 
want to consider more weight in value than growth, 16%, 8% or even more.

Given the low cost of ETFs, this may be a non-issue, just my 
observation, the overlap.

Joe