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If you want to diversify, what about a REIT position?

I agree the adding some REITS would eventually be good, but they have had a heck of a run up over the last few years and I would be cautious about putting much in them now, but I guess if I was good at market timing I could quit my day job.

I agree with more International, and the Europe/Pacific/Canada funds might leave out places like Central and South America, Africa, and India. A general international index fund might be a better choice. In your situation I would eventually bump that up to 20% or more.

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