Basically, what is your opinion on changing long term plans if you see danger/opportunity in the market? For example: I have an investment portofolio based on Europe, mostly broad ETF and some specific countries, where I have dropped a couple hundreds euros every months for 2 years now. I think the current conflict in Iran will affect the continent negatively for a while due to oil shortage, so do you think it would be a good strategy to swap some of my current etfs in the future (without selling what I already own) to some sectors that might grow in this period/long term ( like energy, infrastructure, food etc)? Do you think I should double down and buy the dip? Or maybe make a different portofolio based on my new options?

For reference I am 35. Plan to retire at 65-67. I contribute 19% of my gross income to this fund. I have no other retirement funds/accounts. My current retirement funds are: Vangard Institutional Index (VOO equivalent) Vangard Total International Index (VXUS equivalent) Vangard Extended Market Index (VXF equivalent) 2019 my new contributions were being allocated as such: VOO: 70% VXUS: 20% VXF: 10% 2020 I started adding more to VXF solely on the premise that lower interest rates would benefit the small caps. Since 2020, my contributions have been: VOO: 60% VXUS: 20% VXF: 20% That strategy blew up with the post-COVID inflation and rate hikes as VXF took the biggest hit out of the 3 in 2022. It's underperformed since that time as well, probably in large part due the explosion of the mega-cap tech stocks. I'm thinking about decreasing my VXF contributions and increasing VOO, VXUS, or both. Any thoughts on what your approach would be?