You could do far worse.But having about 40% of your assets in 2 stocks, HD and WMT, might be considered a bit concentrated.And having almost as much in an international fund as the total stock index is somewhat overkill. The major stocks in the total market index are international companies (think Pepsi) although we think of them as US companies.It does sound sensible although each of us would tweak it a little differently.Doug
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