...investing in QQQ & VTSMX...Agree that it seems like plenty of overlap. Maybe consider IVV and VEA for equities. May consider VNQ (REIT) and BND (total bond)....have a job that will offer a good pension...What kind of pension? Are you government employed? Union? Not to rain on your parade, but many such pensions are grossly underfunded and IMHO I place many of them only slightly more sustainable than social security. JLC
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