<prompt> Human: I like the total stock market indexes like Vanguards VTSMX because they try to sample the entire market including large, medium, and small caps. Is there any reason not to put all my long-term money I just got a 300k inheritance in that? Would I be missing huge opportunities in more lucrative investments or perhaps safer ones?More info about me: Im 28, just got married, we already have like 100k between various retirement accounts and we already have an emergency fund. No significant debts. This question is for the long-term 10 years.  <response>: The why not is still diversification. Asset classes other than domestic stocks offer some protection from market variances. 