Few thoughts:One, you could pare down your holdings to 3 or 4 funds. I'd combine the Value Index, Small Cap Value, and Total Stock Market together. If you looked at the holdings, I'd bet that there was a fair amount of overlap to make the differences insignificant. Could potentially save on fees/charges.Two, what is the purpose of holding bonds/treasury? If its to decrease the volatility of your portfolio, I'd keep some. I doubt its for fixed income purposes since you don't need the money for a long time.Finally, new allocation:30% Total Market30% Total International30% REIT10% Treasury or Total BondJLC
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