Table 2. Recommended Stock Allocations by Retirement Date
Retirement Date
	15 Yrs After	10 Yrs After	5 Yrs After	2005	2010	2015	2020	2025	2030	2035	2040	2045
AllianceBernstein*	30%	40%	50%	60%	67%	74%	81%	88%	95%	95%	95%	95%
Fidelity**	--	20	28	50	50	59	69	72	82	83	85	88
T. Rowe Price	--	--	43.5	58.5	67	73	79	85.5	93.5	93.5	93.5	93.5
Vanguard***	--	--	30	50	60	66.7	75	82.5	90	90	90	90
*Following the advice of Alliance Bernstein, their stock allocations include 5% from REITS--that is, half of their allocation to REITs. **Fidelity's Income Fund is designed for individuals who are approximately 10 to 15 years past their retirement date. ***Vanguard says its retirement funds will look like their Income Fund at five to 10 years past retirement, but their chart shows the date at five years past retirement.