Looking for recommendations on my 401k portfolio.

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You have a lot of over lap. Do you feel comfortable reallocating when the funds get of balance? If not just put everything in the target date fund. That is the ultimate diversified set and forget portfolio. If you want to be a bit more hands on with rebalancing, don’t want any bonds and want to cut fees a little. I would just use the total market and the international fund in the proportion you want.

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That is Year to date return, as in Jan to now. In my opinion that really means nothing since it is such a short period. Can you find the annual return for 1, 3, 5 years? I would bet it is averaging around 10 percent return per year.

Reallocate everything between total stock market, total international, and throw in bonds for 10% or add them as you near 40. As you get older reallocate stocks to bonds till you are around 60/40 at retirement age.

My 401k is set at 80/20 between total stock and total International.

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I just put it all in SPY

I assume you mean the vanguard 500 fund. That would be fine but if you want it all in domestic equity, I would use the total market fund. There would probably not be much difference between the 2 though.

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