[strick]

Simplest: 100% VTSMX

Conservative: 60% VTSMX, 40% VBMFX

I would do: 50% VTSMX, 30% VBMFX, 15% Lending Club, 5% YCombinator funds on fundersclub or wefunder.com (split over next 4 summer and 4 winter classes)

This is a great site: http://www.mrmoneymustache.com/

[oldspiceman]

Why do you choose VTSMX over VTI? VTSMX expense ratio is 0.17 bps while VTI is 0.05.

[vespergo]

look at the charts, its simple. VTSMX > VTI even after that expense ratio.