Try and look at all your assets, tax-advantaged and otherwise, and get a sense of what your asset allocation is. This should include real estate, cash, stocks, bonds, etc. You may be surprised what you actually end up with! You can do this pretty easily with Excel. Then decide what you actually want, and how you want to allocate that little bit to achieve that goal (say 50% real estate, 30% stocks, 10% bonds, 10% cash for instance)