<prompt> Human: I am 27 years old. Contributing my matched percentage to 401K with 5050 in VFIAXVSGAX.I have invested 5500 each year for the past two years with Schwab. The money 11,000 is sitting in Money Market because I have not chosen where to allocate my funds. I would like advice on whether I should switch to Vanguard and which funds I should choose. I am risk tolerant as I have funded an Emergency Fund savings account with six months of pay.Thank you!  <response>: If its easier for you to have all your accounts under vanguard do that, if not Schwab works fine. Throw it in an indextarget fund and do the same thing next year 