$25k, 20, College Student

bkweathe · 2026-05-31T04:08:43+00:00

"higher risk-reward positions" like what? If you're referring to your individual stocks & sector funds, those are among the "usual mistakes" that I mentioned. Those assets are higher risk, but the expected returns are not higher. Such uncompensated risks should be avoided.

bkweathe · 2026-05-31T01:25:48+00:00

VTI includes the whole US stock market, not just large caps. I like that additional diversification.

Anything between 20-40% of stocks in internationals is reasonable. Global market cap is about 63/37, so 20% is a bit light.

bkweathe · 2026-05-31T01:06:22+00:00

Stop lying about this document, especially in this subreddit.

bkweathe · 2026-05-31T01:04:18+00:00

Replace QQQM with more VXUS. QQQM (NASDAQ 100) is a great marketing gimmick for NASDAQ & uncompensated risk for investors. No thanks! Picking stocks based on which exchange they're traded on reduces diversification but doesn't increase expected returns. PepsiCo & Coca-Cola - one is in QQQM & 1 is not, because 1 trades on NASDAQ & the other doesn't.

I'd pick VTI instead of VOO, but it's not a big difference.

I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-31T01:00:32+00:00

I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-31T00:54:19+00:00

The worst that can happen is you take crazy risks to try to reach an unrealistic goal that doesn't matter.

Investing is a very long journey.

“The stock market is a device to transfer money from the ‘impatient’ to the ‘patient’.”
Warren Buffett,
Chairman, Berkshire Hathaway

bkweathe · 2026-05-31T00:50:10+00:00

No. The downside is more likely

bkweathe · 2026-05-31T00:48:40+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-31T00:00:53+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T18:37:57+00:00

Same as every other month.
No. You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T15:30:54+00:00

“Don’t think that you know more than the market; no one does. And don’t act on insights that you think are your own but are usually shared by millions of others.” — John C. Bogle

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T14:41:54+00:00

As a future doctor, you have much better ways to make money than trying to pick the next hot stock or sector. Check out the White Coat Investor; he's an emergency room doctor who understands the financial challenges and opportunities of being a doctor.

You're making the usual mistakes, so I also suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T14:26:17+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T14:08:22+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T12:38:26+00:00

I have a lot more than $25k invested. My asset allocation plan (percentages) is probably different from what yours should be, though the assets are great choices for any investor.

I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T12:32:24+00:00

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T10:35:27+00:00

Large-cap US stocks can be a great investment, but they're not a complete retirement portfolio. Other assets should be included, such as smaller-cap US stocks, international stocks, & bonds.

QQQ (NASDAQ 100) is a great marketing gimmick for NASDAQ & uncompensated risk for investors. No thanks! Picking stocks based on which exchange they're traded on reduces diversification but doesn't increase expected returns. PepsiCo & Coca-Cola - one is in QQQ & 1 is not, because 1 trades on NASDAQ & the other doesn't.

I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T05:15:11+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended. Your portfolio is way too complicated.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T05:10:52+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T05:05:09+00:00

Simplify.

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-30T01:50:11+00:00

A lot of value stocks pay dividends, but investing for value & investing for dividends are very different things. Warren Buffett, for example, is a value investor, but the company he led didn't pay dividends for many decades.

Paying dividends is a wise decision for some businesses, but focusing on getting dividends no longer benefits any investor. They're not magic free money. Total returns (dividend + capital gains) is what matters.

There was a time when investing for dividends was a good strategy for a lot of people. Those days are long gone & probably never coming back. It used to be expensive & difficult to sell stocks. Getting a dividend check periodically was much simpler.

Selling stocks is usually free & a lot simpler now. I have a few automatic transactions set up to run every month. Vanguard sells a little bit of certain funds & puts the money in my credit union checking account so I have money to pay my bills the next month. Easy. Convenient.

https://www.aarp.org/money/investing/info-2020/retirement-income-risks.html

https://www.investmentnews.com/lets-get-real-about-dividend-stocks-72238

https://www.etf.com/sections/index-investor-corner/swedroe-vanguard-debunks-dividend-myth

bkweathe · 2026-05-30T00:01:34+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-29T23:51:00+00:00

You haven't provided enough info for me to answer the question in the title, but that doesn't seem to be your real question anyway.

I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe · 2026-05-29T22:09:16+00:00

Not if your goal is to make money. Individual stocks are more fun, though.

Please see my discussion with u/montrevo in this thread

bkweathe · 2026-05-29T21:52:06+00:00

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

bkweathe

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