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Employer plan has the following options:

Large cap equity index fund
Small cap index
International index

What is a good allocation for the old balance and new contributions with a projected retirement in 15 or more years? At this point, growing the balance is the goal and I'm not interested in a bond percentage. The allocation will be revisited periodically but infrequently, and I can always take a "safer" approach later. My dreams won't be crushed if I have to work longer.

We will be funneling a larger share of new contributions to Roths (VTI,FZROX for starters), but as of now, almost all of our retirement balance is in the employer plans. Let's keep it simple but very aggressive. Personally I expect a not great US market over the next 2-5 years, but I'm optimistic long term and plan to buy the sale prices at regular intervals. Pretend you are 28 years old. What percentage would you choose for each of the three funds, and why?


Let's not take ourselves overly seriously. I am aware that I'm an idiot wrt investing. Just looking for the next starting point. Hence the choices and the "Simple Path" type selections. Thanks all.
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