<prompt> Human: Hello personal finance gurus,Im looking for some feedback on my 401k asset allocation. My company uses Schwab, and I am contributing around 500 per month my contribution employer match. I am 23, so I am shooting for a more aggressive portfolio with a low net expense ratio. I plan on rebalancing quarterly to the following allocation:20 SP Index5 Large cap value15 Small cap index10 Mid cap index5 Mid cap value25 International index5 Developing markets 5 REITs10 Bond indexThis put my weighted net expense ratio at 0.22 and I think diversifies me pretty well. What are your thoughts?  <response>: Instead of buying SP, large cap,mid cap, small cap you really could just buy the Total Stock Market Index and drop your expenses to .05. Total Stock has also out performed the REIT Index in total return with the advantage of not having to wait for your 1099-Div until the end of February still waiting for mine. 