I have a 403b an roth-IRA I want to invest in index funds USA Intern and bond, but how do I allocate them?

The rule of thumb is that you put the same percentage as your age in bonds and the rest in equities. Its just a reference point to start. Ultimately it depends on how you feel about risk and volatility and your other assets and income that you will have at retirement.

The allocation is something you must decide based on your anticipated retirement date and risk tolerance.

For your 403(b), you are limited to those investment options provided by the employer. With an IRA, you can establish it wherever you wish.

There are various online calculators you could use out there on the internet. I like the one at www.cnnmoney.com
http://cgi.money.cnn.com/tools/assetallo...

Here's a general cookie cutter allocation. Probably not right for you, but something to give you an idea on how to allocate.
35% large caps
15% small/mid caps
20% international
20% bonds
10% cash

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