The simplest way to follow FMN's recommendations for your portfolio is to invest 100% of your retirement plan into a LifeSpan Target Fund that is developed for people in your age bracket. If you have smaller investments ($10,000 or less) outside your 403(b) you can use this chart to help you allocate them:

For investments over $10,000, FMN recommends following the allocations that we use in our LifeSpan funds:

LifeSpan Target 2048 – “Born 1978 or later”
LifeSpan Target 2043 – “Born 1973 – 1977”
LifeSpan Target 2038 – “Born 1968 – 1972”
LifeSpan Target 2033 – “Born 1963 – 1967”
LifeSpan Target 2028 – “Born 1958 – 1962”
LifeSpan Target 2023 – “Born 1953 – 1957”
LifeSpan Target 2018 – “Born prior to 1953”