<prompt> Human: Checked my vanguard yesterday and noticed this was how my portfolio was split, this made me a little anxious as I intuitively assume its safer to have a more spread split, Incase of the unexpected.Am I right here? Or does Vanguards spread across the market safeguard against this?Im 30 and obviously not looking to retire any time soon. Also what are the proscons of this split? Will I potentially make more gains, and because I have more time to play with, I can deal with any eventual market downturns in the long run?  <response>: 10 is the ratio of VFIFX, very normal for a younger person. If your money is 100 invested in VFIFX and you want to sanity-check that thats reasonable: yes, and have a good day. If you want to be personally involved in your portfolio, you should get versed in the basics. These vids are pretty good for that, 3 and 4 apply closely to your question. Holding bonds on top of equities, and rebalancing between them, should reduce volatility in your portfolio and increase risk-adjusted returns. The con is that your total returns over very long timeframes will probably be lower, the more bonds you hold.There is no universal ideal asset ratio. If big swings and the possibility of big short-term losses make you dyspeptic, hold more bonds. If you feel like holding lots of bonds will slow you down from reaching your goals, hold less. Have a look at 2008 and years following to see what each asset class might do for you in bull and bear situations. 