[dragontamer]

Wall Street literally values Apple / AAPL as the most valuable company in the world. So I literally don't know what you're talking about.

VTI in any case is "the market average", because its literally the whole market. Its surprisingly a difficult strategy to beat, becaust most stock pickers perform below average (!!!).

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The only thing is that the stock market is very volatile. So it makes more sense to mix in bonds with regards to historical risk/reward. You lower your average gains, but often reduce your losses. (Long term bonds are doing poorly early this year, but with interest rates rising, I'd expect that moving forward bonds are going to do well)

And that's where a "target lifepath" fund goes. Those funds mix "total stock market" with "total bond market" and call it a day.