<prompt> Human: I have 40k I plan to dedicate to etfs. Does this make sense to do? Schb, schz, sxhe, schf  <response>: How can we possibly answer that question without a more complete overview of your finances? There isnt really any such thing as too much to put into these kind of funds. Many people have millions of dollars in them. What matters is whether these funds are appropriate for your risk tolerance. 