<prompt> Human: Hey all,For a little background: 25 years old, approx. 80k salarybonus before taxes, single no dependents.I am attempting to invest 12 my take-home pay, and currently I am doing this via Wealthfronts automated investment service. My asset class breakdown is as follows: 35 US Stocks VTI and SCHB 25 Foreign Stocks VEA and SCHF 19 Emerging Market VWO and IEMG 10 Dividend Stocks VIG and SCHD 6 Municipal Bonds VTEB, MUB, and TFI 5 Natural Resources VDE and XLEFor a while now Ive been wondering if the 6 bond allocation could be better spent elsewhere. I feel that over the long run I am sacrificing a lot of potential growth by investing so much in bonds. I realize they great for a little monetary stability, but I am extremely secure in my current financial position, I could lose my entire portfolio overnight and my life would not change assuming I still had a job.So I am just looking for any comments or advice. I think I am probably going to start investing more money external from Wealthfront. Probably just VTI, VEA, VWO, and VIG. Any thoughts are appreciated!Thanks in advance.  <response>: Youre getting diversification and giving up expected return by being in bonds. Whats your time horizon? At 25, Id guess youre looking at 40 years until you access these funds, in which case, if I were you, Id be long the SP500 and other equity indices.Edit to add this: and wouldnt be getting into bonds for a long time ... you may have specific pools of funds that make sense to be in bonds or other low risk low return instruments down payment fund, etc. 