Submitted by McCallistersFurnace t3_zyzocm in personalfinance
Ruminant t1_j28sk68 wrote
Reply to comment by kveggie1 in Is my strategy missing anything? by McCallistersFurnace
Every asset class you just mentioned is already included in OP's two funds. OP is plenty diversified.
xXxEcksEcksEcksxXx t1_j29ib0h wrote
> Every asset class you just mentioned is already included in OP's two funds
While that is true, the long term performance of US Total Stock Market and S&P 500 is virtually identical, with a difference in return of 0.01%. (Yes I know VTWAX is total-world, just using US for simplicity's sake). Point being, the small/mid/value for example, are not a large enough percentage of the portfolio to make a meaningful difference.
Having said that, OP is perfectly fine as-is and need not change anything. However, a 10% "tilt" to US Small Cap Value (for example) would have produced an additional $300,000 in returns over the period 1972-2022. Link
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