I'll be reaching my goal of investing $100k in my brokerage account this year. Im on a short term strategy. I plan let the money grow while in grad school (~3 years) and then using a portion of the funds for a house. I have a mix of CDs/Bonds and VT. Am I stupid for considering adding in VTI?

Hi everyone, I am on track to reach $100k in my brokerage account before I start graduate school this year. I never thought I'd have this much money, but I started investing last year and realized how powerful it is. My goal has been to put money in my brokerage and then use the funds as a down payment for a house. I am lucky enough to live at home rent free, and have been taking advantage of the situation by doing nothing but working and just investing my money for the future. Because I am on a short term strategy I did not go all in on high growth income ETFs, I went heavy on CDs/Bonds and SGOV, with a minor amount in ETFs. Bonds/CDs have lower gains but are safer and because I actually need this money I went more into CDs/Bonds to have leverage in case the market downturns. I was nervous amount putting in a significant amount into an ETF, now that I have slowly built up and amount, I can see the gains and Im not as scared now. Is it worth purchasing VTI in addition to VT to chase a few extra profits? Im not sure if its really diversifying my portfolio because in my IRA I am doing the VTI + VXUS split. I went VT in my brokerage because I wanted to be safer and have global market coverage instead of just US. It would be diversifying my Brokerage account as I'd have global + total US Coverage but unsure if its a bad idea have some overlapping in your whole portfolio. My thought process is that putting in $100k into these bonds/CDs + ETFs will allow my money to grow while Im in school, and that afterwards I will have made a decent amount of growth where I can then take out a portion, eat the gains tax and then purchase a house but still have some money left over and have the compounding interest. I have taken pictures of my asset allocations for reference. Charles Schawb doesn't to pie charts so I auto generated one. I know VT and chill is a thing so It might be better just to do that, and I could be overthinking this. Increase VT holdings to get more holdings of the market and slowly decrease holdings in Fixed Income (SGOV) Cash & Investments (CDs/Bonds).