I decided to reallocate my 401k investments, reducing them to four basic choices: US large-cap index, US mid- and small-cap index, international, blended 2035. In both cases it will probably reduce my growth a bit since I'm closer to 50% large-cap stocks which has been doing the best the past 5 years (and it doesn't include all the Oracle stock I have which is large-cap). But increased stability since my blended 2035 percentage is currently closer to 10%

(%) is expense ratio, which is what the management fees take from the fund. From what I remember a managed fund is 1% and a straight ETF is 0.1% The point being most managed funds don't outperform ETFs so that 0.9% is money you're wasting.

Oracle 401k

Vanguard Institutional 500 Index Trust (0.012%) - large-cap US stocks = 40%
Vanguard Institutional Extended Market Index Trust (0.036%)- small- and mid-cap US stocks = 20%
Vanguard Institutional Total International Stock Market Index Trust (0.069% - non-US stocks = 20%
Vanguard Target Retirement 2035 Trust Select (0.045%) - blended fund for people retiring in 2035 = 20%

Microsoft 401k

Vanguard Russell 1000 Growth Index Trust (0.02%) - large- and mid-cap growth stocks = 40%
Vanguard Russell 2000 Growth Index Trust (0.03%) - small-cap growth stocks = 20%
International Growth Account (0.44%) - non-US stocks = 20%
BlackRock LifePath® Index 2035 Fund N (0.06%) - blended fund for people retiring in 2035 = 20%