Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How to decide on split between large/mid/small cap on 401(k) and how often rebalance
One other thing to consider, particularly with Vanguard, is the total dollar amount available.  Vanguard has "Admiralty" shares of funds which offer lower expense ratios, around 15-20% lower, but require a fairly large investment in each fund (often 10k) to earn the discounted rate.  It is a tradeoff between slightly lower expense ratios and possibly a somewhat less diverse holding if you are relatively early in your savings and only have say 20-30k (which would mean 2 or 3 Admiralty share funds only).