I just opened a taxable account and dumped all my savings minus emergency fund in VT. I also have a Roth IRA that I only opened last year and just contributed the 7500 for this year as well. At the time i set it up on a "aggressive" target date fund to 2035 because I plan to retire early (I'm 43), but after reading this sub I realize this may not be optimal since I now know that I should withdraw early from my taxable and let this account do its thing longer into retirement, plus there are like 18 different holdings in this portfolio. How shall I build it? No bonds? Dump it too into VT or VTI + VXUS? Something else? Thanks in advance, I'm almost there, this is the last step to set it and forget it. Also i have an employer 401k that I max out and its on a Janus Henderson target date fund to when I'm 65 and its doing very well...shall i match those holdings? Thank you all