<prompt> Human: I normally just dump everything into VFFVX in my Roth IRA, but I might diversify with a partial investment into VWESX in a Traditional IRA. Im looking to buy a home soon, so a Traditional IRA kills two birds with one stone with the tax deduction and the early withdrawal for first time home purchase. What are everyone elses plans?  <response>: Over-weighting long term bonds seems like a really bad idea right now. Its not really diversification either. VFFVX already has long term bonds, in a reasonable proportion. Adding a bunch more would throw it out of proportion, which is not diversification at all. Youre concentrating in some niche asset class -- the opposite of diversifying.Furthermore, if you plan to remove the money soon, you dont want it in anything vaguely volatile like long-term bonds. Id keep it in short-to-slightly-intermediate-term bonds e.g. Vanguard Short Term Bond Index or Vanguard Total Bond Market or simply Prime Money Market.Sorry, you didnt really ask for advice, but I couldnt help myself.Im also looking to buy a home. I have a bunch of money sitting around in cash until the dust settles after buying. After that Ill put what I can in our IRAs and stick with my current 35 US stock35 intl stock30 bonds allocation. 