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Thank you all for your thoughts, very helpful!!

My only frustration is Vanguards annual fee for funds with less than $5,000 balance. If I should have International and/or Bond fund - each would need to be above $5,000 of my total $28K (or 17.8%) to avoid the annual fees on balanecs below $5,000. Is the best option to:

1) avoid the bonds and or int'l to avoid paying low balance fees?
2) put 17.8 in bond and int'l even though its higher than typically expected for one of my age
3) put in less than $5,000 in bond and int'l and just suck up the fee?

I get really mixed messages about whether I should have 100% equity or some bonds at this age. Decisions, decisions.

Thank you all again.
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