That is a hard question to answer without information about your specific situation. My first question is whether $10,000 in savings is enough of an emergency fund since you own a home. That would be a red flag to me. You should put away as much as you can in investments/retirement savings. Again, without information about your specific situation I cannot even begin to guess how much you should put away for the future. There are two considerations here. One is the amount and the other is whether you can afford to put away that amount. If you cannot afford that much, then how will you adjust your future plan? As to your question about portfolio construction, a well diversified portfolio regardless of the returns is generally the most advisable recommendation.
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