<prompt> Human: 25 Vanguard 500 Index Admiral25 DFA U.S. Small Cap Fund I 25 Vanguard Extended Market Idx Adm 25 Vanguard FTSE AW ex-US Index Fund Adm  <response>: None of us know exactly what will do better or worse in the coming years and there are hundreds of valid asset allocations. Youve picked one. Some will do better, some will do worse. What you have here seems reasonable. The bigger question is how much money are you putting in versus what you think youll need. Having 5000 bucks in that account at 32 is very different than having 500,000 bucks in a boring target date fund which is fine too really. 