sorry, I don't know how to reply directly yet, I assume it's the "quote" button, I'll figure it out. I did just edit my OP to add in the pension info. We do live in the USA, That 25k is in addition to the 401k/IRA contributions, so hopefully that works out money wise to the tune of 2+ million (as guessed by PDX). I know we can pull SS when we are older but I'm trying not to count on that. It will be a bonus, if we get it. I just want to feel like I am doing everything right so far and that if the market tanks, and we lose money, it's not because I did not allocate properly. I know words like "right" "properly" can be relative, but for me I wanted to go aggressive for at least ten years which would put us at 57, then scale back if needed, maybe go more in bonds, idk. Maybe I'll do it sooner. I'm really just learning and since pulling my money away from a FA I have been worried. Imagine how I'll be in a downturn! I am committed to staying the course though and not pulling money out, continuing to put in it, no matter what. From the replies it sounds like if I want to be aggressive, I am allocated properly and having a ton of it in VTSAX is fine. The 401k one was just picked by the company, I didn't even know what it was when I started. I have always wondered if I should change that...