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should i consider my investment in a total stock market fund diverse?
user
you are diversified within a particular type of security. notably the stock market. a truly diversified portfolio not only has multiple types of holdings within a single type of security (what your broad market fund does) but between different types. you have partially succeeded in doing this with the international fund - that way your risk is spread between domestic and international stocks. but there are other holdings. cash, bonds, commodities, real estate, etc. there are broad index funds/etfs for those as well, which may reduce your risk when the stock market as a whole tanks - which it does on occasion.
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