The pig won ' t know the difference <| sep |> Male here but would love to make taylor my diapered slave ! You ' d have to always be wearing and if you ' re naughty ill make sure to punish you . Message me if you want to role play ! <| sep |> Mobile Suit Gundam 0080 War in the Pocket <| sep |> Or don ' t shit all over a viable military procurement project in your election and then proceed with a retarded one once you are elected . <| sep |> How accurate is Pawn ? The slight upgrades onfuse me . 20 ilvls higher , but wrong stats . Pawn says 1 % upgrade because of agility I guess . Is it really worth it ? <| sep |> Hell I ' ll drive 3 hours to go to a park I like for a day trip . <| sep |> Shake Me Down by Cage The Elephant <| sep |> A typical ratio of domestic and international stocks would be about 7030 . Maybe 6040 . A typical ratio of REIT funds is 0 , but since you want to invest in REIT 15 % or 20 % is about right . The Total Inernational Stock Fund includes emerging markets , so you don ' t really need a separate emerging markets fund , so I ' d recommend 0 for that . If you want to bias your international funds towards emerging markets , then that ' s OK , choose less Total International and more Emerging Markets . The funds you have listed here are Institutional shares . They are typically intended for 401 Ks with large corporations , not individual IRAs . Maybe you qualify for Voyager or Flagship status and these are some of the hidden funds that are available to those clients , or maybe you picked the Institutional shares inadvertently . Each of those funds , I assume , have admiral and investor share equivalents that you should use instead if Vanguard does not let you invest in Institutional shares . VINIX is an SP 500 fund , I would recommend instead a Total US Market fund such as VTSAX . Limiting your US funds to the SP 500 reduces your diversification and neglects the small cap market , which tends to outperform the large cap market in the long run . Here is the breakdown I suggest 50 % SP 500 or Total Market fund 20 % US REIT 30 % Total International 0 % Emerging Markets