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REDDIT

Seeking input on investment allocation

J
Jan 22, 2026 · 16:50

I've been investing all my retirement savings to S&P500 the last 10 years (started Spring of 2016). I'm going to be moving Europe for a new job and will not be contributing (DCA) into my retirement accounts left in the USA for a long time. I'm trying to convince my brain to diversify away from the "S&P500 and chill" mindset - but I am having a huge recency bias and quite frankly, seeing my money grow the last 10 years have been incredible.

When I transfer my funds away from employer's ROTH/TRAD 401K to my ROTH/TRAD IRA at Vanguard, should I just keep going with S&P500 or change to a more diversified fund - I'm currently looking at VTWAX for broader diversification.

I guess I'm at crossroads trying to convince myself that the US will not enjoy another > 200% growth the next decade but location and recency bias is really difficult for me to overcome. Also if I had my funds invested in VTWAX since I started in 2016, I'd have roughly half the gains.

Just looking for some words of wisdom how to proceed as I will not be tinkering with my selections and will not be contributing to the retirement accounts for many years to come.