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Dell

Dell

40/60

40% Equity

U.S. Large-Cap Blend
10% Equity Index Fund
U.S. Small-Cap Value
10%  Small Cap Value
International Large-Cap Growth
8%  International Index
International Large-Cap Value
8% International Value
Emerging Markets
4% Emerging Markets Equity

60% Fixed Income

Intermediate-Term Bond
30% Bond Index Fund
Short-Term Bonds
30% Short Duration Bond

60/40

60% Equity

U.S. Large-Cap Blend
15% Equity Index Fund
U.S. Small-Cap Value
15%  Small Cap Value
International Large-Cap Growth
12%  International Index
International Large-Cap Value
12% International Value
Emerging Markets
6% Emerging Markets Equity

40% Fixed Income

Intermediate-Term Bond
20% Bond Index Fund
Short-Term Bonds
20% Short Duration Bond

80/20

80% Equity

U.S. Large-Cap Blend
20% Equity Index Fund
U.S. Small-Cap Value
20%  Small Cap Value
International Large-Cap Growth
16%  International Index
International Large-Cap Value
16% International Value
Emerging Markets
8% Emerging Markets Equity

20% Fixed Income

Intermediate-Term Bond
10% Bond Index Fund
Short-Term Bonds
10% Short Duration Bond

The following asset classes are missing from this portfolio:
U.S. Large-Cap Value
U.S. Small-Cap Growth
Int'l Large-Cap Value

Int'l Small-Cap Growth
Int'l Small-Cap Value
U.S. REITS
Int'l REITS
TIPS

You should try to invest in as many of these asset classes as possible through IRA or individual taxable accounts to arrive at a portfolio that comes close to the chart below:

401411-allocation chart.png