Daves,
For me, your request just raises a lot of questions.
Since you’re looking for a conservative mix of funds, I’m guessing
that you have already saved 8 to 9 times your current family salary and
have very little or no debt.
If not, why select a conservation selection of funds?
I see these “help me pick” questions quite often but seldom do I see
someone explain their investment plan.
What is your plan for the next 6 years … and then beyond?
Will you still be comfortable retiring at 66 if you have zero returns
before retirement?
What are your plans if the market declines and your portfolio drops
20 or 30% over the next 6 years?
What is your plan if the market drops 20%, 30%, or more in your first
year of retirement?
If you’ve already accumulated nearly enough to retire on, the selection of funds
is less important than have a well-constructed long-term investment plan.
Pick an equal mix of stock and bond index funds. Then follow your plan.

First, I would narrow things down further, getting an answer to the question: which of these can I get with no up-front load? Or it may be that because it is a retirement 401k vehicle, the funds that would otherwise charge an up-front load simply do NOT, in this case.
My brother has 401k money in this one (Mainstay) which looks like just a different class of shares than the one you listed, above. http://quotes.morningstar.com/fund/mlabx/f?pgid=hetopquote&t=mlabx
...3 stars at Morningstar, and a Bronze decoration. Not horrible. I am 58, retired early, wife works. I'm 50/50 bonds/stocks. That's how I've got my stuff situated, and heavily overweight in global/international funds. I am aware that others would tell you that such a strategy is not prudent.
I tend to like VALUE over growth, and I see an MFS VALUE "R4" (?) fund listed above, but cannot tell you anything about it. And Harbor International looks good. It has a good LONG-term reputation. I dunno how well it's doing lately.

Reply to @Hiyield007: In general Fidelity funds are only available through Fidelity. They may be available in some non-Fidelity retirement plans. If they are available in a brokerage, they are typically TF or limited to advisors (so it shows up closed in their listings to Individual Investors). So, that may be why you are seeing closed. It is not closed at all.
Similar situation exists for TRP and Vanguard funds available through other brokerages. They just don't pay the other brokers to offer them as NTF.
Fidelity prefers to collect money from other to have their funds available at Fidelity fund supermarket instead of paying others.

Hey Daves,
I started thinking about retirement about age 35 and though I have personally retired from my "career" I haven't retired as far as the government (IRS) is concerned (age 59.5). You mentioned you are 6 years from your "personal retirement", but as far as the IRS is concerned, you have reached "distribution age" (59.5). At age 70 (4 years after your personal retirement) you will be faced with RMD (Required Minimum Distribution). Be prepared for this fact. If you have been diligent with your IRA funding over the years give some thought to other uses for your labor.Take some time and run some numbers and decide if you are better off deferring money ( investing in your employer's IRA) at age 60 when 10 years later it will be impactd by RMD (4 years after retirement).
If I were age 60 I would rather spend the next 6 years maxing out my Roth as a primary goal which faces no RMD. If your employer matches any IRA contributions then, by all means, take advantage of that.
At sixty you might consider devoting some resources to Long Term Care Insurance or creating and funding a retirement lifestyle account. For example, I used taxable income that I did not invest in an IRA to buy a condo in Florida that is 2 miles to the beach. It sold for 1/5 what it was selling for in 2008. That has more long term value that stocks and bonds in my estimation.
My retirement funds will pay for my daily needs (makes sure yours will), but I needed cash to make the purchase of the condo. Never underestimate the value of cash. The stock and bond market (mutual funds) is not the only place where value can be found.
Good Luck!

@jerry:

If you pick a TRP fund in your rollover IRA that you might be better off with the 2010 or even the 2005 fund as the asset allocation would be more in line with your risk tolerance.

2005, 2010 and income fund have all now converged. at the end of 2015, TD2015's asset allocation will converge with them as well....that's how the glidepath works.
Otherwise, i agree with the majority in PTTRX and indexing. i would however, have a few % points in OPP DEVELOP MKTS Y. very good fund and not easy to get to outside of retirement accounts.

I think I would go with all the index funds but after that the more important question is what proportion of each fund would be appropriate. The "book" answer would be ,especially since you are clearly conservative something like , 60% in pimco total return, 25% in the vanguard index 500, and 5% each in the international, midcap and small cap indices.
If you want to keep it much simpler 60% pimco total return and 40% inst index is less diversified but probably will work out fine.
I am given to understand that in general TRP target retirement funds are superior to those of Fidelity but I would suggest that If you pick a TRP fund in your rollover IRA that you might be better off with the 2010 or even the 2005 fund as the asset allocation would be more in line with your risk tolerance. For any given age TRP is less conservative than Fidelity or Vanguard target retirement funds.

Reply to @MikeM2:
Here is a somewhat dated M* article with some other ideas in the same space.The above link to arrowshares should take you to the fact sheet.It's not in the Gov't TSP,which i am tranferring/withdrawing from over the next 8 years as I transition into retirement.
http://news.morningstar.com/articlenet/article.aspx?id=556106
GYLD web site;http://www.arrowshares.com/default.aspx?act=fund.aspx&productID=1

"Long awaited" might be the key. It's possible that bonds face not a correction but an extended bear market. When that might occur remains speculative.
I suppose if it were me, I'd start by thinking about my asset allocation: why 50/50? T. Rowe Price's Retirement 2025 fund is 50% domestic equity, 25% international equity, 25% other. Or is this a comingled sort of average: 75% equity in your long-term portfolio but 25% in your short-term one, so ... In any case, I'd start there.
If you think about the division your asset allocation between growth and income, rather than stocks and bonds, you might then broader how you think about reallocating some or all of the your. If you ultimately decide that, say, 60/40 works for you, perhaps the 40 might be split among conventional fixed income, real estate, preferred stock, MLPs and so on? The 40 might end up at 20% bonds, 5% each real estate, preferred, gold and other real assets.
Highlights of the Price portfolio include: 13% intermediate-term bonds, 4% e.m. stocks, 3% real assets, 3% e.m. bonds, 1% tips.
Just stuff to talk about.
David

Reply to @mrc70:
Mrc, I totally forgot about TGSAX, which is indeed a global SCV fund, although currently it has a relatively low 29% exposure to US equities. It is a decent, but not stellar fund which is available for a $500 minimum in Firstrade retirement accounts according to a test trade I just made. Here is a LINK to the fund web site.
Kevin

Reply to @mrc70:
Hi mrc,
I am also interested in a global SCV fund, but I have yet to find one. The closest fund combination would be QUSIX (available in Fidelity retirement accounts for a $500 minimum per test trade) and an attractive domestic SCV fund, and my choice would be the closed WSCVX which I own. A 50/50 mix of these two funds makes a nice M* portfolio x-ray:
LC: 1/3/0
MC: 7/7/8
SC: 30/30/15,
with 46% US equities, 45% Foreign equities, 1.38% composite ER and a $911M average market cap.
In our portfolio, we us ABNIX to cover our foreign and EM SC/MC equity exposure and a VXF-equivalent for our domestic SC/MC exposure.
Kevin

Reply to @fidia: It's certainly difficult to try and market time - and I know that when things are going up, I find it difficult at times to be disciplined and wait for a pullback. The way that markets are today in terms of holding period and attention span makes it even more difficult to try and time.
If there are dips and you want to buy, maybe start with the minimum investment and continue to dollar cost average if the pullback continues. Additionally, we can make suggestions, but I think it also comes down to your desired risk tolerance and your own situation. I think having equity exposure - but more conservative and/or income-oriented equity exposure - would be a positive. SGOVX, which I mentioned, is a more conservative foreign fund, while investor offered some good, more conservative US balanced options with GLRBX and VWINX. TIBIX would be more volatile, but offers a very nice yield.
Consumer staples have run up a lot - I think to some degree because people are looking for equity exposure they believe is "safer" (and the yield), but if there's a considerable pullback in the staples ETF, I think that's actually not a bad idea for those in/near retirement. Boring, familiar names (the P & G's, the J & J's, the Wal-Marts, the Costcos) that offer products everyone needs and decent yield of about 2.75% for Vanguard's consumer staples ETF (VDC) - there are a ton of various consumer staples ETFs,that's just one example.
Again, I think consumer staples have run up a lot and are probably currently overvalued, but if there's a pullback (and the pullback may come if people shift from these names to names that are less "defensive"), something to consider that would offer a degree of stability (while past performance is no guarantee of future results, likely an investment that you would not have to be overly concerned with/watch over), familiarity (lots of names everyone knows and products everyone's probably familiar with) and not a bad yield. It's not going to hit home runs, but it's also going to not likely tank on a bad year, either - best scenario, just consistent singles and doubles and a decent yield (and again, something that isn't going to be volatile, most likely.) Overall, a boring, consistent, fairly low-key idea that may particularly fit those nearer to retirement age.
I think there are some instances where things aren't overvalued - I think some of the oil names and other natural resource plays actually seem rather reasonable and both energy and natural resources have not fared terribly well the last couple of years in many cases. However, given the volatility,not something I'd really recommend.
I think what I have to really emphasize again is that, yeah, it's probably going to be best in the years ahead to have some more equity exposure, but that really keep in mind your own situation, risk tolerance, etc. What's best for you is what you feel comfortable with to the point where you can sleep well at night and not spend time being overly concerned about markets that may be volatile (they haven't been that volatile in the past few years with some exceptions here-and-there, at some point do people get too comfortable?)
As for bonds and interest rates and whatnot, I remain concerned about how fixed income will fare over the next several years, but who knows how long that will take to really play out.
Just my 2 cents.

Dear Carefree: I like BBTEX and the biotech ETF BBH, Art above me has done a nice analysis of the funds, and my hope is that all these funds are not in the same retirement account.
Regards,
Ted

I would actually change your holdings all around:
Keep SEQUX, BBTEX
Add AUXFX
Sell the others
I would add AUXFX for it's downside protection ( YAFFX does very well in this regard..but i'm concerned with asset bloat ) & the manager has ALL his own retirement money invested in this fund. Own it myself

While everyone loves to hate treasuries the one thing that people should think about is why would investors dramatically sell off 10 Treasury bonds at 2.01% before they sold off 10 year JGBs at 0.64%?? Why does Japan get money at 1/3 the rate when it has twice the debt load, is not the world's reserve currency, has a population which is shrinking and are 10 years older needing to sell their holdings to fund retirement?
The Wall Street Ranter

Reply to @Old_Joe: You should really calculate your entire portfolio for the same purpose (for example Retirement) as a single portfolio.

Reply to @Accipiter:
32% is bonds, cash and other. Cash and other are really small.
The percentages are the percent allocation in my total retirement portfolio (multiple accounts, includes spouse funds) and yes 100% includes cash.
The percentages are calculated the same way. They are different as I said I sold other funds and bought into these funds so that increased the percentages since Art's poll. I was busy recently with this repositioning.

What I'm currently doing varies by account:
401K:
-new money is going into PIFZX. As I'm looking to retire within 2 years, this falls within "bucket 1" within that concept. The equity funds in the 401K get a 20% haircut when they hit a pre-defined amount, with the trimmings going to PIFZX.
IRA Rollover:
-equities get the same 20% haircut at pre-defined levels, but the trimmings here are now going to fixed income....which is now a difficult decision. Currently it's MAINX.
-the divi's from the current fixed income funds are not automatically reinvested, but are collected and invested monthly. Currently these are going into SUBFX.
Pre-tax:
-I have a handful of individual equity divi-payors...these get automatically re-invested into the same equities
-equity mutual funds get the same 20% haircut as I described previously into bucket #1 holdings....the trimmings now go into either a muni, or PAUDX (it seemed like a good idea at the time)
So...this was a long winded answer to your question. In a 57/33/10 mix in retirement accounts, I'm really not doing too much differently simply because of where the market currently resides relative to a 5 year high. I am just filling my buckets....I currently have 3 years of bucket 1 funding.
I am not smart enough to figure out if it will be up or down a year from now, so I figure a reasonably well distributed portfolio with some prudent re-allocation fits the bill for me.

http://www.sec.gov/Archives/edgar/data/1015986/000072888913000405/developmkts497.htm
supplement amends the Prospectus and Statement of Additional Information (“SAI”) of Oppenheimer Developing Markets Fund (the “Fund”) dated December 28, 2012.
The following information is added to the sections titled “More About Your Account” beginning on page 11 of the Prospectus and “How to Buy Shares” beginning on page 56 of the SAI:
Effective as of the close of the New York Stock Exchange (NYSE) on April 12, 2013 (the "Closing Date"), the Fund will no longer accept purchase orders from new investors and existing Fund shareholders will no longer be able to purchase new shares or exchange shares of other funds into the Fund, subject to the following exceptions:
· Existing shareholders can continue to purchase shares through dividend and capital gain reinvestments.
· Existing shareholders in broker/dealer wrap-fee programs can continue to purchase shares and exchange into the Fund. Existing broker/dealer wrap-fee programs can add new participants. The Fund will not be available to new broker/dealer wrap-fee platforms.
· Existing shareholders in the following types of retirement plans can continue to purchase shares and exchange into the Fund: defined contribution investment only (DCIO), 401(k) (including “Single K”), 403(b) custodial plans, pension and profit sharing plans, defined benefit plans (including “Single DB Plus”), SIMPLE IRAs and SEP IRAs. New participants in such plans that currently offer the Fund as an investment option can elect to purchase new shares of the Fund. However, the Fund will be closed to new retirement plans. New retirement plans that are authorized prior to the Closing Date will have until July 15, 2013 to fund the account.
· Existing shareholders that have an investment allocation to the Fund through an OppenheimerFunds Portfolio Builder account prior to the Closing Date can continue to purchase shares and exchange into the Fund.
· Existing firms in RIA/bank trust wrap-fee programs that hold shares of the Fund prior to the Closing Date can continue to purchase or exchange shares subject to a $100,000 minimum investment at the firm level. RIA/bank trust platforms cannot add new firms.
· Existing shareholders in private bank platforms can continue to make purchases and exchange into the Fund. Private bank platforms can add new participants, but participants who seek to open new accounts are subject to a $100,000 initial minimum investment. The Fund will not be available to private banks not already invested in the Fund.
· Existing 529 Plans that currently include the Fund within one or more of their investment options can continue to purchase shares and exchange into the Fund. The Fund will not be available to new plans or existing plans that do not currently invest in the Fund.
· Funds-of-funds affiliated with the Fund’s investment adviser and non-affiliated funds-of-funds managed by other firms can invest in the Fund.
· The Fund reserves the right, in its discretion, to accept purchases and exchanges from institutional investors which may include, among others, corporations, endowments, foundations and insurance companies.
Existing shareholders as of the Closing Date who later sell all of their shares of the Fund will not be permitted to establish new accounts or reinvest in the Fund.
Present or former officers, directors, trustees and employees (and their eligible family members) of the Fund, the Fund’s investment adviser and its affiliates, its parent company and the subsidiaries of its parent company will not be permitted to purchase additional shares of the Fund after the Closing Date unless such purchase is through an exception listed above.
March 6, 2013 PS0785.032

Just curious - - Are you folks:
a. still buying [401k stocks funds / other private account funds/stocks/bonds etf, etc...] still getting into the game even though it's all time high
b. not buying/selling, not putting any money in, not doing anything/ stash cash under the mattress
c. thinking/watching/waiting for a pull back to start buying
d. or 'bailin out'/selling before the 'sh*t hit the fan' [like skeeter did recently]
I am still 80%stocks/20%bonds in tsp but thinking maybe changing to less risk portfolio ? 65%/35%. By the way, I wish I was near retirement, probably would bail right now and put it in a conservative portfolio

Still too overweight in PONDX but it has been a super retirement anchor. GASFX is my largest fund holding but trying to ramp up in RYOIX which is my most recent buy. Smallish in WSBEX and even smaller in WAMFX. I hold two stocks, one mentioned a few weeks ago is SNTS, the other being LGND.