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hi bogles. I'm 48 have no debt.and all i have is a savings account with 10,000 in it at 1.60% interest. And a roth ira thats been maxed out the last 3 years.i just have 70% vanguard total stock market admiral share .And I have 30% vanguard total international etf . (vxus) does anyone see a better portfolio option with what I have now or see a flaw.i figured i could use the high yield savings as my bond fund at 1.60% until I can contribute another 5500 dollars in 2019. then I could get total bond I'd like to go 70 stocks 30 bonds. Thank you