kveggie1 t1_j28q30b wrote on December 30, 2022 at 1:36 PM

I think that the investments are not very diversified. It is OK to start. Learn more and diversify (small, mid, large, value, growth, some international, some REIT)

Ruminant t1_j28sk68 wrote on December 30, 2022 at 1:57 PM

Every asset class you just mentioned is already included in OP's two funds. OP is plenty diversified.

xXxEcksEcksEcksxXx t1_j29ib0h wrote on December 30, 2022 at 4:58 PM

> Every asset class you just mentioned is already included in OP's two funds

While that is true, the long term performance of US Total Stock Market and S&P 500 is virtually identical, with a difference in return of 0.01%. (Yes I know VTWAX is total-world, just using US for simplicity's sake). Point being, the small/mid/value for example, are not a large enough percentage of the portfolio to make a meaningful difference.

Having said that, OP is perfectly fine as-is and need not change anything. However, a 10% "tilt" to US Small Cap Value (for example) would have produced an additional $300,000 in returns over the period 1972-2022. Link

CramWellington t1_j296dmo wrote on December 30, 2022 at 3:39 PM

You should look in to the funds op has chosen.