Submitted by McCallistersFurnace t3_zyzocm in personalfinance
xXxEcksEcksEcksxXx t1_j29ib0h wrote
Reply to comment by Ruminant in Is my strategy missing anything? by McCallistersFurnace
> Every asset class you just mentioned is already included in OP's two funds
While that is true, the long term performance of US Total Stock Market and S&P 500 is virtually identical, with a difference in return of 0.01%. (Yes I know VTWAX is total-world, just using US for simplicity's sake). Point being, the small/mid/value for example, are not a large enough percentage of the portfolio to make a meaningful difference.
Having said that, OP is perfectly fine as-is and need not change anything. However, a 10% "tilt" to US Small Cap Value (for example) would have produced an additional $300,000 in returns over the period 1972-2022. Link
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