I'll admit, I haven't really looked too much at what percentages I am invested yet. Mainly cause I am still diversifying and trying to build out a stable income model of some sort. I know what I am doing is not folllowing the straight ETF model of most people here, though I support and encourage others to do so, cause it's simple. I like a little complication and experimentation in my life.....
Right now I look something like this:
Stocks: 30%
ETFs/Indices 55%
Realestate 5%
Bonds/Treasuries/Other 10%
I expect it to become more mature as the years progress into something along this line:
Stocks: 35%
ETFs/Indices 20%
Realestate 35%
Bonds/Treasuries/Other 10%
But who knows.
Other does not include any SS, cause who knows what the next 30-40 years will bring for that. (Note: Not saying it will go away, but the min age might progress up or some other requirement added in or... who knows. Only going to depend on what have and know for now. If I get SS, it's a bonus!)
If you want to not do a straight ETF route, I would probably start with adding real estate. It's easier to understand and get right, then if you decide to pick stocks. Plus has the added benefit of being physical. (Land is always worth something, even when everything else hits bottom) After that, only then would i add stocks and only if you really want to. (It IS a time sink to do it right.)
I am aware of other alternative investments out there not mentioned here (yet) but I'd stick with what's been listed so far. Just easier that way.