<prompt> Human: I am doing some research on this topic and wanted to see how everybody allocates their accounts.I am 23 so looking to allow for sizable risk now.Here is what I have now:401K Through Fidelity Large Cap: 25, .15 ER ABF SP500 IDX Small Cap: 25, .85 ER OPPHMR MS SMMD CP Y Bonds: 5, .75 ER FA STRAT INCOME I International: 45 Total OPP DEVELOPING MKT Y 30 1.03 ER, THORNBURG INT VAL r5 15, .99 ERRoth IRA Through USAA: TR 2050: 100, .88 ERconsidering moving the IRA over to Vanguard and doing the TR 2055 fund .18 ER, but may split into index funds to reduce the fee cost. EDIT: 401K options added.401K Options Here are my options with the current holdings in and the Expense Ratios to the right. Large Cap: 25 ABF SP500 IDX , ER: .15 FRANKLIN GROWTH ADV, ER: .71 NB SOCIALLY RESP I, ER: .71 OPPHMR MS SELECT Y, ER: .97 OPPHMR VALUE Y, ER: .59Mid-Cap JPM MID CAP EQ SEL, ER: 1.31 PERKINS MID CP VAL I, ER: .73 TRP MID CAP GROWTH, ER: .8Small Cap BLKRK SM CAP GR EQ I, ER: .82 COL SM CAP VALUE I Z, ER: 1.1 25OPPHMR MS SMMD CP Y, ER: .85International 30OPP DEVELOPING MKT Y, ER: 1.03 15THORNBURG INT VAL R5, ER: 1.06Blended Investments FA FREEDOM 2040 I, ER: .77 FA FREEDOM 2045 I, ER: .78 FA FREEDOM 2050 I, ER: .79 FA FREEDOM 2055 , ER: .79 FA FREEDOM INC I, ER: .47 Bond InvestmentsStable Value FA STABLE VALUE, ER: .69Income 5FA STRAT INCOME, ER: .75 PUTN HGH YLD ADV Y, ER: .79 WFA SH DUR GOVT BD I, ER: .49  <response>: At those prices Id go 100 SP Index. Everythings highly correlated, and there are no free lunches, so until you have 100K invested, the SP fund is all you need. 