For my Walmart 401K I chose to go with an aggressive growth method. I modeled my 401K as closely as I could after the Wells Fargo recommendations. I chose to go with the 27% Large cap for the large cap portion of my distrobutions. Since I didn’t have a separate Mid cap and Small cap options I combined the recommended 15% Mid cap and 14% Small cap and put them into the 29% Small-Mid cap. I took the recommended 14% International and spread it across my two International choices for 7% each. Then to bring the total up to 84% Equity I put the 5% in each of my remaining Equity options and 4% in MyRetirement Fund. the MyRetirement Fund should be diversified in it self but at 4% of our account we will just pretend it is an Equity.
For the Fixed Income portion of my 401K I split the recommended 7% across my three options as best I could with a 3%-2%-2% distrobution
For the Cash Assets portion of my 401K I put the recommended 2% into my only option.
Walmart puts Real Assets in the same category as equities I chose to ignore this and go with the recommended 7%.
| EQUITY/STOCK (84%) | |
|---|---|
| LARGE CAP EQUITY FUND | 27% |
| SMALL MID CAP EQUITY FUND | 29% |
| BLACKROCK INTL EQTY INDEX TST | 7% |
| INTERNATIONAL EQUITY FUND | 7% |
| BLACKROCK RUSSELL 1000 INDX TR | 5% |
| BLACKROCK RUSSELL 2000 INDX TR | 5% |
| MYRETIREMENT 2045 FUND | 4% |
| BOND/FIXED INCOME (7%) | |
| BOND FUND | 3% |
| BLACKROCK BOND INDEX TRUST | 2% |
| JPMORGAN SHORT TERM BOND TRUST | 2% |
| CASH ASSETS (2%) | |
| BLACKROCK MONEY MARKET TRUST | 2% |
| REAL ASSETS (7%) | |
| REAL ASSETS FUND | 7% |