Nice, that's a great mix - thanks for sharing. I had invested in a bunch of large cap/value funds over the past 10 years and really had no clue what I was doing until I started reading up more here as well as at jlcollinsnh & Bogleheads. I have a better picture of what to do and why but still learning. Regarding Betterment's "safety net" article, I'm actually considering now moving the $35k over to Betterment and investing it there. I don't think we want to completely drain our savings accounts (especially because there are minimums to keep them open I think) but it would be good to leave the minimum in and invest whatever is 'excess' elsewhere. Betterment seems like a good idea to keep things flexible/liquid without incurring a bunch of transaction fees.
After reading Bogleheads a lot myself, I liked the thought of a simple portfolio. Before reading Bogleheads, our taxable and IRA accounts were at Betterment. I don't care for bonds and I'm not sure anyone could convince me to invest in them (for retirement). So I started with the simple concept of 70% VTI and 30% VEU (actually was going to use VXUS, but switched to VEU since that's what's available commission free in my work accounts at TD Ameritrade). But then I wanted to tilt towards small and mid cap. After playing around with different allocations in Morningstar's Instant X-Ray tool and viewing the allocation in my Personal Capital account, I decided on my current allocation. Plus its an easy allocation to maintain.
There are some small fees with Betterment, but I think its worth it for a real easy set it and forget it emergency fund investment. I keep debating going back to Betterment for my emergency fund, but I've already closed my account so I figure I'll leave it closed.
My favorite thing about an investment emergency fund is the fact that it should hopefully grow with you as your expenses increase. So if your expenses increase 3% a year, hopefully your emergency fund does too and you won't have to add to it. If it grows too fast, you can always move that money into another investment account.