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So in other words you suggest the simplest choice would be to invest in the Total Stock Market Index only and forget about the Large-cap, Small-cap and value segments? I like simple solutions but would this give me the same long-term return?

I definitely would add some small cap segments in there myself. Since most index funds are market cap weighted, you're getting very little exposure to anything outside the S&P 500. If you'll notice the returns in the Total Market Index and the S & P 500 Index are remarkably close. Personally, I'd go for a S & P 500 for large cap and then a small cap index to handle the small cap, that way the small cap portion will get a more signifigant portion of your portfolio, if that's the type of diversification you're looking for.

Although, I'm also a firm believer that unless you have a lot of assets to play with, your best bet is with either with just a S&P 500 or a Total Stock Market Index fund. But YMMV.
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