Here is the list of the mutual funds I hold in my Roth IRA and Rollover IRA accounts.
Excelsior Value and Restructuring - UMBIX - 15% - Large cap fund
Vanguard S&P 500 Index - VFINX - 25% - Large cap fund
Bridgeway Ultra Small Company - BRSIX - 20% - Small cap fund
Bridgeway Aggressive Investors 2 - BRAIX - 10% - Mid cap fund
Dodge and Cox International - DODFX - 20% - International fund
Dodge and Cox Income - DODIX - 10% - Bond fund
Generally speaking I would suggest more index funds if you are only investing in an IRA than I hold in the above accounts. I also hold mutual funds in my employer's 401k in which I put more weight on index funds.
If you are able to max out your IRA and 401k and need a place to put even more extra cash (great job, by the way), then you should just focus your 'taxable' account almost completely with index funds. This is because of tax implications.
'Talk about FULL DISCLOSURE'; ask your broker for his/her list (they probably won't provide it). And by posting this, I truly hope you are able to use it to your advantage. If you are using a broker, I would challenge you to give this list to your broker and ask him/her why they can not provide a better list (they can't). (Just to get you ready)...this will put them on the defensive which is when you will have to start looking for the smoke and mirrors; i.e., they will suggest that over a 30-year period their funds will outperform; the problem with that is that they won't let you hold anything for near that long...they need you to move your money around to make money themselves.
KEEP IN MIND: Everybody has different needs based on their current situation. Don't assume the above is a one-size-fits-all portfolio. Email me at: jw@leverage-consulting.com with questions regarding your specific situation.
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