My son is 29 and he has a Roth IRA and 401k matching with his job. In his taxable, he has VOO 35%, SCHG 15%, SCHD 10%, Vanguards Life Strategy Moderate Growth 20% along with VUSXX 20% as his safety fund - around 200k. He just got a nice bonus at work, 10k. Should he just distribute it amongst his current funds or any suggestions to add an additional etf/fund to cover area where he is not covered for a nice balanced portfolio. Thanks