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Hey guys, I appreciate the replies.

Thanks for the advice on removing bonds - I was already thinking of changing that.

As for midcaps, you all seem to be implying that a mid-cap fund is generally a bad idea (or can be easily replaced by a large-small combo), but that doesn't align with research I've done saying that mid-caps are at all time highs and have fared better than both small- and large- caps in the last decade.

Dan Caplinger (TMFGalagan) actually mentions this in his latest article today:

"Brokamp's asset allocation doesn't stop there: He suggests putting 10% toward mid-cap stocks and 10% in small-caps...."

"What's behind the win?
The key to understanding why asset allocation has worked so well is in the performance of the various investments underlying it. Mid-cap stocks in particular are at new highs...."

I was thinking of just replacing the 15% to bonds with a midcap fund, actually. Does this suddenly make my portfolio a little too aggressive?

I am certainly willing to deal with the ups and downs - I won't touch this money for 30 years. But I don't want to go over the top.

Let me know if you have any additional thoughts.


P.S. TwoCybers - I actually started reading that book on (it has a free preview) and it was interesting so far. It had a good chart on return vs risk expectations over a 30 year period.
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