The problem is that I have no crystal ball and there is no way to predict what is going to happen in the future. Pick your own mix and then if it does not work out so well in 6 or 12 months, then go ahead and make a change. But I would stay away from anything with bonds in it.

30% Small Value ETF: (IJS) iShares S&P SmallCap 600 Value Index Fund 0.3% GER

35% Large Blend Total U.S. Stock Market: (VTI) Vanguard Total Stock Market ETF 0.05% GER

20% International Ex-U.S. Large Blend ETF: (VEU) Vanguard FTSE All-World ex-US ETF 0.15% GER

15% U.S. Bond ETF: (AGG) iShares Core Total Aggregate U.S. Bond ETF 0.08% GER

All trade commission-free. Input and suggestions welcomed, thanks.