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K, so after reading the comments and some research I'm thinking about going with the following mix:
Vanguard Institutional Index (S&P 500) - 20%
Vanguard Total International Stock Index Fund;Investor -25%
Vanguard REIT Index Fund;Institutional - 13%
Vanguard Mid-Cap Index Fund;Institutional -5%
Vanguard EM Fund - 15%
Vanguard Total Bond Market Index Fund - 10%
Vanguard Small Cap Index Fund - 12%
Basically I did away with the high ER EM, and have 77% equity, 10% bond, 13% REIT, further breakdown shows 37% domestic, 40% international, 10% bond, 13% REIT. Breaking down domestic give a 54%-14%-32% (large (s&p), mid, small) balance.
Or perhaps this mix:
Vanguard Institutional Index (S&P 500) - 20%
Vanguard Total International Stock Index Fund;Investor -27%
Vanguard REIT Index Fund;Institutional - 13%
Vanguard Mid-Cap Index Fund;Institutional -5%
Vanguard EM Fund - 10%
Vanguard Total Bond Market Index Fund - 10%
Vanguard Small Cap Index Fund - 15%
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