Ive been heavily invested in technology for the past year and I'm looking to have better sleep at night. I began investing in a Roth a year ago with 8-10 years to retirement and a pension, so this is to give me more financial comfort. I wish I started in my 20s. I like VT all world markets, but what if I added 10% FTEC+10% VYM ? It gives me the "barbell" setup. If I contribute $8,600 a year with DRIP, the math works out to $142,693 at a 9% avg. return. Is anyone else using this method and what are your thoughts ?