<prompt> Human: Im 29 years old and work in the public sector with a good pension system that is on course to provide me with 35 of my income in retirement, but I am also supplementing that by saving on my own for retirement in a Roth IRA. I guess I have two main questions:1 I see a lot of people on here with their retirement savings spread across 6, 8, 10 or even more mutual funds. My Roth is only split into two funds. Is there a benefit to spreading it across more funds since mutual funds are already pretty well diversified?2 Since Im only 29 and retirement is 30 years away, and I also have a defined benefit pension which is guaranteed to provide a steady income in retirement, my Roth is allocated heavily towards stocks approx. 90. Given my situation, should I consider adjusting my allocation at all away from stocks? And if so, at what point should I start doing that?I know a lot of people say you cant count on a pension, and I understand it might not be 100 guaranteed if there would be some catastrophic economic collapse or something like that, but my states pension is one of the healthiest in the country, so I see it as 99.9 guaranteed and am including it in my retirement planning for now.3 Bonus question: My Roth is with T. Rowe Price. I see almost everyone on here has their savings with either Fidelity or Vanguard. Is there a reason more people dont choose T. Rowe Price? Ive had my Roth with them for 5.5 years and Ive been very satisfied. Just curious why I dont see more people with them on here.Here are the numbers for how my Roth is allocated:70.6 in RPMGX Mid-Cap Growth Stock Fund ... expense ratio 0.7829.4 in RPBAX Balanced Fund ... expense ratio 0.68Based on the allocation between these two funds, my Roth is:84.1 domestic stock5.6 international stock10 domestic bonds0.3 money marketThanks in advance for your feedback.  <response>: My Roth is only split into two funds. Is there a benefit to spreading it across more funds since mutual funds are already pretty well diversified?There is a benefit to spreading your investments amongst as many mutual funds as required to meet your asset allocation while minimizing expenses. The two funds youve chosen are rather expensive and probably have a fair amount of overlap. I also have a defined benefit pension which is guaranteedmy states pension is one of the healthiest in the country, so I see it as 99.9 guaranteed and am including it in my retirement planning for now.You should think again. Your states pension might be one of the healthiest in the country right now, but 30 years ago so was Detroits. Public pensions are also subject to fairly long vesting periods - sometimes 20 years for the full benefit. It may be a guarantee that you get something, but it is certainly not a guarantee that you get all of what your pension calculator might tell you. A lot can happen in 30 years.Bonus question: My Roth is with T. Rowe Price. I see almost everyone on here has their savings with either Fidelity or Vanguard. Is there a reason more people dont choose T. Rowe Price? Because Vanguard, Fidelity, and Schwab offer low cost index funds to invest in, while T. Rowe Price might not. Ive had my Roth with them for 5.5 years and Ive been very satisfied.What does that mean? Lots of companies offer good customer service and a nice customer interface. However, when it comes down to it, investment expenses the lower the better are the most important thing. Ill be very surprised if your TRP IRA can compete with Vanguard, Fidelity, or Schwab on expenses. So far, your Roth IRA investments are not competitive.Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! and the Long-Term Investing Start-Up Kit You may find Your 401k and You: Basic Information and Your IRA and You: Basic Information worth a read as well. 