Are you sure you got the right funds ? These are institutional and not meant for individual investors . But at any rate , the only thing you might want to consider is small cap value fund . You could do 50 SP 500 , 20 Emerging though I ' d recommend just Total Intl Stock Market instead , 15 Small Cap Value , 15 REIT . These aren ' t ironclad fiddle with the ratios to get at what you feel comfortable with . But I would at least make the SP 500 fund the core holding . Don ' t worry about Total stock market fund , it ' s so overrated . <| sep |> UK here , restaurants sell bottled water but tap water is free . <| sep |> 23 of my department are women my manager , director , DG , ADM , DM , Minister are all women . I ' m the only guy on my side of the shop . Women are hired more often and promoted more often . You won ' t find anything about men in any kind of equity report .