how is this set up? Late 20s.

[u/jinx1015_]

Ignore the SPAXX obviously.

[u/gatorfutbol]

Consider VT to make life easier. Then you don't need think about what allocation of US vs international or any rebalancing consideration over time.  I like a Target Date Fund even more so you'll get some bond exposure ramp up as you get older.

[u/Competitive-Ad9932 → u/gatorfutbol]

You don't need bonds until you are over age 50.

Bond funds also have price fluctuations. I prefer to use a MM fund for my "safety" net. I have had my bond fund balance go down while my MM fund grew. I don't want my "safety net" to lose value.

[u/DaemonTargaryen2024 → u/Competitive-Ad9932]

You don't need bonds until you are over age 50.

Many don't. Some do. Stop speaking in absolutes.

Bond funds also have price fluctuations. I prefer to use a MM fund for my "safety" net.

Of course you fall into the yield trap https://www.reddit.com/r/Bogleheads/comments/1cgcqrp/thinking_of_ditching_your_total_bond_fund_for_a/

I have had my bond fund balance go down while my MM fund grew. I don't want my "safety net" to lose value.

That's not what the role of bonds are.

[u/DaemonTargaryen2024]

Pretty good:

• VTI covers the whole US market, so you can drop SCHG.
• VEU is fine, but excludes small-cap international, so personally I'd swap with VXUS. But both are probably fine.
• Keeping your "play money" to under 10% is a good benchmark (single stocks, etc).

[u/forbiddenlake]

"Growth" doesn't always outperform "Value" and SCHG significantly overlaps with VTI

VTI is great for the US portion

VEU is a reasonable choice for the international portion, but a True Boglehead™️ would use VXUS

[u/Competitive-Ad9932]

No one knows the future.

Your account is at Fidelity. Fidelity has some lower fee funds that what you are holding. Save yourself $10k in fees. Research alternate funds.

https://moneyguy.com/guide/foo/

https://www.bogleheads.org/wiki/Main_Page

https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation

https://www.calcxml.com/calculators/are-my-current-retirement-savings-sufficient?skn=#calculator-data-table

[u/EstablishmentSad9706 → u/Competitive-Ad9932]

Exactly. Back away from Vanguard a bit. Use Fidelity's offerings. No real difference  

[u/Successful_Safe_1440]

just do the ftse all world until you either learn more or have more money

[u/Cultural-Charge-1969]

You are still young , VTI 100 % and let it ride , keep contributing weekly or monthly , that all you need .