2012 market returns

[Grieve]

Additional question to tack on to the end of my previous one ...

What mutual fund(s) are you leveraging for you 401k and, if able, why?

Being 27, I'm likely at a different place in this than most of you so copy-catting would likely be bad, but it's nice to hear other people's thoughts/logic ... especially when they likely have more experience with it.

At 27 you should definitely be all stocks and zero bonds - when you are young is the best time to take chances, getting more conservative as you get older.

I have a bunch of money in my company stock fund (a bad idea, I know), next highest are T Rowe Price and Fidelity mid and small cap stock funds, plus a REIT fund.

My IRA is all individual stocks and stock options.