Currencies are a mystery to me. Regarding, however, your elections within your retirement plan, I think you are too conservative. Your time frame is longterm since you are young. To me that argues for being 100% equities. I also think that it wouldn’t be irrational to put 100% in international stocks. My reasoning is that global growth is likely to be far stronger than US growth over the coming decade and beyond. Just my opnion.

Beatus ille qui procul negotiis … paterna rura bobus exercet suis, solutus omni fenore….. Horace