conversation: User (pfin78): "Hi All,\n\nI'm considering leaving my "target retirement fund" (for 2045) and investing the money in specific low cost index funds instead. Here are the ones I'm considering:\n\n* [Vanguard Institutional Index Fund Institutional Shares (VINIX)](https://investor.vanguard.com/mutual-funds/profile/pe/overview/0094?dbOnly=false&amp;crossover=true&amp;planSummaryMask=425886&amp;SelectedPlanId=097487&amp;FundIntExt=INT&amp;InstFund=false&amp;RedemptionFee=true&amp;intPort=0094)\n\n* [Vanguard Emerging Markets Stock Index Fund Institutional Shares (VEMIX)](https://investor.vanguard.com/mutual-funds/profile/pe/overview/0239?dbOnly=false&amp;crossover=true&amp;planSummaryMask=425886&amp;SelectedPlanId=097487&amp;FundIntExt=INT&amp;InstFund=false&amp;RedemptionFee=true&amp;intPort=0239)\n\n* [Vanguard REIT Index Fund Institutional Shares (VGSNX)](https://investor.vanguard.com/mutual-funds/profile/pe/overview/3123?dbOnly=false&amp;crossover=true&amp;planSummaryMask=425886&amp;SelectedPlanId=097487&amp;FundIntExt=INT&amp;InstFund=false&amp;RedemptionFee=true&amp;intPort=3123)\n\n* [Vanguard Total International Stock Index Fund Institutional Shares (VTSNX)](https://investor.vanguard.com/mutual-funds/profile/pe/overview/1869?dbOnly=false&amp;crossover=true&amp;planSummaryMask=425886&amp;SelectedPlanId=097487&amp;FundIntExt=INT&amp;InstFund=false&amp;RedemptionFee=true&amp;intPort=1869)\n\n* A bond market index fund (some 10 years down the line).\n\nI'm, however, undecided on what percent to put in each of these funds and am looking to see if anyone has any pointers or advice. I'm almost 40 and have a *very* secure job in the US. I'm currently leaning towards putting 50% in VINIX, 10% in VGSNX and 20% in the other two. I made up these numbers 'randomly'. Is there a better way?\n\nAs I grow older I would start investing in a bond market fund as well and moving money over there closer to my retirement. Any advice is welcome.\n\nThanks!\n"
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