Buy VTSAX (or any other broad-based, low-fee, 100% stock mutual fund) and call it a day. Fees will eat your lunch far more than you think. Even a difference of 20 basis points (0.2% or 0.002) matters, IMO. Don't pay a fee unless you're 100% sure you're getting more than the fee in value. That's why I love Vanguard (no connection, other than satisfied customer). When you get 5 or 7 years away from needing (not just wanting) the money, then start to scale into REIT or fixed-income strategies to reduce your risk exposure. While you're more than 10 years away from needing it, I think you want to be full risk-on for stocks.

Then, come back in 20 years and upvote this. :)