1. My personal asset-allocation in retirement will have about 20-25% in REITs (e.g. Vanguard REIT index fund, VGSIX).2. I'd also seriously consider winning Vanguard funds like Health Sciences (large-growth) and Capital Opportunities (medium cap- blend). These will complement and diversify a large-value oriented fund like Wellington fund very well.The rest can very well be in Wellington.HTH,-dr.nonlinear-
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