Ok, I might have asked this before but I am struggling a bit with my index fund allocation. I have VTSAX (Total Stock Market, 74%), VTIAX (International, 20%), and VBTLX (Total Bond, 4%) in my portfolio because I am an amateur and wanted to go with the boglehead 3 fund allocation. The problem is that I have had pretty awful results from international and bond funds for my entire investing career. They used to be bellwethers to 'balance' the US stock market but it seems like international funds have been dogs for 20 years as the endemic failures of their monetary and economic policies have been exposed. The bond funds seem to be dogs since we hit this 'new normal' of super low interest rates and a Fed that is terrified of bringing them back up to even nominal levels. I just turned 39 so I have about two decades left of investing, 15 of which I believe should be trying to maximize gains. Should I jump out of the bond and international to put it all into the Total Stock Market fund? It is technically diversifying since it is a bunch of different stocks and it seems to me like the other two funds are both going to go in the same direction if our market takes a dive.