rule #1. don't panic
rule #2. when faced with any decision-making or process oriented behavior, see rule #1
rule #3. there is no rule #3
rule #4. collective intelligence is as high as the lowest iq in the group (op cit "the weakest link theorum")
rule #5. see rule #1

and to be specific, your age is the percentage to invest conservitively
it also doesna hurt to have mirror-imaged 401k plans.