{ "media_type": "text", "post_content": "28 yoe - Is my 401k too heavy on total stock/s&p500 if I decide to change allocation to 50% VFIAX, 40% VTSAX and 10% International total mrkt? \n\nCurrently my allocation is 50% S&P, 30% Total stock, 10% International and 10% Bonds. Realized bond is making almost no money so thinking of switching moving forward.\n\nOutside of 401K, I auto-invest $500 in S&P500 every week. Am I going too heavy on one index?😭", "post_id": "61e831f7c0802000326bb075", "reply_count": 6, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

28 yoe - Is my 401k too heavy on total stock/s&p500 if I decide to change allocation to 50% VFIAX, 40% VTSAX and 10% International total mrkt? Currently my allocation is 50% S&P, 30% Total stock, 10% International and 10% Bonds. Realized bond is making almost no money so thinking of switching moving forward. Outside of 401K, I auto-invest $500 in S&P500 every week. Am I going too heavy on one index?😭

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Total market and sp 500 are essentially interchangeable so just pick one. I would have at least 20% international. Up to you if you want bonds. At 28 you are ok without any in my opinion but 10% Would be fine also

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No reason to hold both VTSAX and VFIAX. They overlap significantly. I'd just do 80% VTSAX and 20% international. No need for bonds at your age.

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28 years old, or 28 years of experience? Big difference in terms of proximity to retirement.

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Oops, I meant 28 years old. I guess 28 yoe in life😅

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