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<<<To make the Roths simple I was considering a Total Stock Market Index Fund. My thinking is that this would not throw my allocations off too much. I'm not concerned about additional foreign exposure.>>>

I assume it is Vanguard's fund. If not, it is most likely to be based on Wilshire 5000 which covers the whole stock market. There is no foreign exposure in this index - just US stocks.

Depending on whether you already have funds based on S&P500 or Wilshire 4500 (Wilshire 5000 - S&P 500), you may increase weighting in some stocks which would lead your allocation-based portfolio to perform differently than indices it may be based on.

But that's the only consequence I can think of.

However, if your other IRAs are already invested in S&P500 and other indices, you may want to go instead with some nice growth fund or something similar which is more on a fringe in the hopes of gaining better appreciation of your capital. One thing to remember about Roth is that all your withdrawls in retirement will be tax-free so you don't have any tax considerations to hold you back in this account.


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