Hi Mike,
First of all congrats on piling up this good fortune thus far. I am much younger to you so please consider my advise in that vein. From what I have come to know so far, 21 funds in a portfolio is a bit too many to manage. As a rule of thumb, an overall count of 10-11 funds is considered good.
This is the recommended asset allocation by so called pros (some say subtract your age from 120, while some say 95 to get your allocation to stock market):
65% - stocks
40% - DOM
34% - Large Cap
4%- Mid Cap
2% - Small Cap
25% - INT
17% - EURO pacific
3% - Japan
5% - EEM
35% - Cash Eq
20% - Long terms bonds
5% - Short term Bonds
10% - Cash
The percentages above are percentages of your portfolio.
Funds of noteworthy returns in your portfolio are:
TEQUX
RYVPX
OAKBX
HIINX
DREGX
You are already 70% of your savings in stock market. I would start gradually unloading myself from the stock market at age 52 on highs. By 57 I would be 50% of what you currently are in stock market. (I am conservative and believe Americans believe too much in the Stock market hype.).
Considering your position, you might want to consider investing in real estate in coming 6 months or so.
Best Regards,
Rajeev