No. of Recommendations: 0
1)The S&P 500 and the Total market funds have a lot the same stocks in them so they are probably about 85% the same so you don't need both.

2)The large S&P fund has a lot of international companies so you are getting additional international exposure there. If you are concerned about having too much international exposure then you might want to reduce the international fund percentage some.

3)If I remember correctly, the growth and value funds are just the S&P 500 stocks split into two funds depending on how the stocks are categorized so that if you invest equal amounts in both funds you would get about the same return as the S&P 500 fund. The designation of growth or value is somewhat arbitrary and constantly changing so there will likely be more trading costs associated with these funds. I'd just stick to the regular indexes.

4)You might want to simplify and do something like;
70% Total Stock market fund
10% Mid Cap Index
10% Small Cap Index
10% International Index


5)...I have 30 years till retirement. and maybe 30 years of retirement! Lots of time to let the earnings compound!

Greg
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