We currently have a 60/20/10/10 split among VTI, VEU, BND, VNQ. Total US Market/World market ex-US/total bond market/REIT. We also invest $100 a month into loyal 3 purchasing MCD, KO, BRKB, BKW, DPS, YUM, PEP, BUD, SBUX and DNKN at $10 each and I have held onto exactly 100 shares of Ford. Logic being, The Ford shares serve as a reminder to me to hold everything long term like Buffet. Loyal3 lets me play around but avoids fees so I still have the "excitement" of picking my own stocks and the ETFs the absolute majority money avoids fees, is easily tradeable and is rather safe in owning nearly everything in the world. It works for us