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Why include Fidelity Contrafund and Templeton EM fund? Seems like they overlap with with the Vanguard Institutional Index (S&P 500) and Vanguard Total International Stock Index.
What's the expense ratio of the Templeton EM fund? If it's high and you still want more EM, I'd use Vanguard's EM fund.
Why no small caps? Seems like they'd provide better diversification than the Fidelity Contrafund.
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