I'm just (re)starting my retirement funds. My new job has a 401k program, and starting next month I'm putting 10 percent of every paycheck towards that goal. I'm putting something like 40 percent of that into stock funds, spread between small-, mid-, and large-cap stocks. I've got another 25 percent in a "balanced" fund, and I can't remember where the other 35 percent went. I'm sure I'll find out when the statements come out.