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No. of Recommendations: 2

I suspect that if you ran your portfolio through Morningstar's X-Ray you'd find a lot of overlap in your funds. Not sure why you seem to be trying to overweight with small & medium cap blend of large cap value. The correlation among your funds is probably high, so you don't have nearly the diversification you think you have. If you really want to slice and dice, suggested implementations of the Coffee House portfolio have been posted that use Vanguard funds.

I think something simple like Vanguard's total stock market might be a better long-term choice for your domestic stocks. I'd increase the international stock to 20%, add 10% of Vanguard's REIT index, and 20-30% of Vanguard's intermediate or total bond fund, maybe blended 50/50 with TIPS fund. Make sure to reinvest dividends of the bond funds. If you don't have access to Vanguard through your plan, that is unfortunate, but look for equivalent funds in your plan. You'd end up with a more diversified portfolio with less risk and higher long-term return.

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