Hi piemel,

FWIW, I would reduce the 401K to S&P 500, with maybe 10% of your total portfolio in Europacific and mid-cap growth, 20% in the PIMCO Total Return. All of your ROTH in Vanguard Emerging Markets, and any more money you put in your after tax in Vanguard Total International.

That is, of course unless you have some better options in your 401K you have not mentioned.

More important than this, I would say start investing your raise each year. This is two-fold. It increases the portfolio as well as systematically helps you reduce the percentage of your income you live on.

Chin