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I'm about to receive a lump sum pension which will be rolled into an existing IRA with Vanguard. I had planned to invest it in Index 500, which currently makes up 18% of my total investments. However, Vanguard had been pushing the Total Stock Market fund this year as an alternative.

Adding the pension money to Index 500 will raise it to 26% of my total investments. The rest of my portfolio consists of mutual funds and individual stocks. Judging from the performance in this year's downturn, my diversification is pretty good, although I am a little over weighted in techs.

My question is whether I need to be in Total Stock Market instead of just adding to Index 500. The top holdings of both are the same. Their industry exposure isn't too different either. Also, a minor consideration is that I'll qualify for the new lower expense Admiral shares if I add to Index 500.

Any opinions out there?
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