I'm unsure about the second-last sentence of the question titled "Invest in low cost small cap index funds when saving towards retirement?":
- Is it a question about "asset allocation", which is encouraged by the FAQ?
- Or is it a request for specific buy/sell advice, which is forbidden by the FAQ?
P.S. I'm hoping that telling you about myself, giving a specific example of an asset allocation, and asking what the disadvantages might be, help to make this a good question.