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KeyLime746 t1_j2fs3rg wrote on December 31, 2022 at 11:18 PM

I'd either use one of the target date funds, or create a three fund portfolio as follows:

You can combine VINIX and VSCIX in 85/15 ratio to approximate Total US stock market.
Then use VTIAX for international exposure.
For bonds I'd probably use ABTIX.