Thanks for above. All my options are with Fidelity as this is employer 401k. All great spartan/index fundswith super low ER. Currently I'm in the bogleheads 3 fund: Fidelity 500 Index - 60% Fidelity Intl Index - 30% Fidelity Total US Bond - 10% Going to do my due diligence research over the weekend on Extended Market, Small Cap, and Emerging Markets. IF I decide to take that tilt seen above, given my options with employer I'll be looking at something along lines of: Fidelity 500 Index - 45% Fidelity Extended Market Index - 10% Fidelity Small Cap Index - 5% Fidelity Total International Index - 25% Fidelity Emerging Market Index - 5% US Total Bond Index - 10% All index funds with very low/Vanguard-ish ER. Appreciate the insight above, definitely giving me something to think about.