[spider]

Re: Allocating about 10% each to various funds. I think that looks fine as far as stock allocation, although I think you could simplify it to something like 60% VTI, 30% EFA, 10% EEM or VWO. That really gets very close to what you're doing while being much easier to keep track of, especially if you want to do periodic rebalancing.

Question for everyone: whatever happened to allocating a portion of assets to bonds? I was reading Intelligent Investor recently where it is suggested that you should never have less than a 25% allocation to either stocks or bonds. I am comfortable with having less than 25% in bonds myself, but I still like 10% to 15% as a lower bound on bond allocation. (I guess that this could be it's own thread but I find it interesting that it never seems to get suggested in these asset allocation discussions like this one.)