Greetungs Aidendy,I was thinking about putting 50% in VTSMX, 25% in VEXMX and VFINX. You are aware that VTSMX is just a mix of VEXMX and VFINX, right? Also, there is the potential for you to incur a few extra costs in this allocation rather than a somewhat optimized approach of using just VTSMX and VEXMX where the allocation for the latter is however you want to overweight mid and small-caps or alternatively if you plan on wanting precise control using a mix of VFINX and VEXMX. The extra fees in the case you describe are coming from the friction that VEXMX and VFINX incur when a stock moves from one fund into the other while in VTSMX nothing happens. Just a couple of minor side notes and I would have the question of whether you plan to rebalance this account or not?Can anyone see why, if the market behaves normally, that in 13 years or so I should be not be looking at a statement showing a return of between 9 to 11% on my investment?Well, depending on what you define as "behaves normally" you could well be forcing this from my view. It could well be that the next 13 or so years will result in something a little more below that average given where P/Es, P/Bs, dividends and various other historic metrics would seem to dictate.JMHO,JB
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