100% stocks and VTSAX plus 401k and 401b isn’t very revealing, but in any case at 35 why aren’t you following the Simple Path to Wealth and investing the $40K you have come upon into VTSAX?
Simple long term advice is to invest in the US market or other things that are similar (US S&P 500, etc.).
The greatest factors that will determine if you have to work until age 70 are how much you have invested now, is the percentage of that that is in stocks (VTSAX if you will) and how much you can add to that same investment mix periodically until you reach whatever is enough for you to retire.
Simple Path to Wealth isn’t looking to beat the 10% average annual return of VTSAX. Some here do, but many don’t.
People who have diversified, like myself, may be doing so to reduce risk, not to beat the 10% average return.
A few people here, and probably tons of people elsewhere, might be looking to beat VTSAX through individual stocks or some other schema.
If say 55 is acceptable to you to retire, you can easily analyze your trajectory using the factors I mentioned (how much you have now, how much you can add to it each year, and what you are invested in) to see if you are likely to get there based on historical returns.
If instead you are looking to diversify for whatever reason, which could slow your speed to get to retirement, that would be a different analysis.
If you are seeking to hit a home run trying to figure out what’s going to do best over the next 10 years, I personally don’t try to predict that kind of thing and many here probably would not do that as well.
So, what I’m saying is you’ll probably have to tell us what our 400-series accounts are invested in, with total amounts, as well as total amounts in VTSAX, individual stocks, cash and anything else to get useful feedback.
But this will probably lead to suggestions as to how to modify what you already have rather than focusing on the new $40K.
So as long as you have 15-20 years or so to go, adding to VTSAX, or if you want to go international to some degree a similar international total market fund, likely makes sense if you are not ready to rejigger the whole thing at this point.
Not saying you necessarily have to rejigger the whole thing, but likely you will get ideas along that line depending upon what you have in your 400-series accounts, how much you have in cash and what the extent is of your exposure to individual stocks.
Just giving you some ideas to get started …
