<prompt> Human: My employer offers Vanguard largemidsmall cap funds VLCAX, VIMAX, VSMAX, as well as total international stock VTIAX. Unfortunately they dont offer a total US stock fund so I tried to emulate it with the cap funds.I tentatively decided on an allocation of 30 VLCAX, 20 VIMAX, 20 VMSAX, and 30 VTIAX. Im only 21 so I dont feel its necessary for me to invest in bonds. Does this seem like a reasonable allocation?  <response>: If you want to approximate total, you need a lot more large cap like 72. 