What are your thoughts of pros and cons on the above ratios? This is a secondary retirement Roth that will compliment my government pension so some risk is okay. I plan to cash it out in about 16 to 20 years from now. I’m aware that the second option has overlap and more risk but also has more potential for growth. Looking over time, the three big companies have all done very well in the growth funds so trying to figure out if it’s worth the risk to tilt some towards growth. I’m open for ideas of different allocations as well since I’m just now starting these monthly contributions so it’s simple to adjust at this point.