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I don't have the same kind of poker success as the original poster, but I do have about $20,000 to invest. Because of the fee charged on accounts under $10,000, should I stay away from that allocation? Should I instead opt for all $20,000 in the Vanguard Total Stock Market Index fund?

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For about 20K, if you want 100% stock at Vanguard, I'd probably suggest:

40% US Total Stock Market Index
30% US Small Cap Index
30% Total International Index

This is a bit more diversified than just to US Total index.

-Tom

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Is there anything to consider about investing at Vanguard when you dont live in the US but in Germany? This may be a stupid question but I m just beginning to learn about stocks [img]/images/graemlins/smile.gif[/img]