Chamois16

The Equities/Bond Balance In Perspective

I agree. It is foolhardy to comment on anyone's asset allocation plan without knowing the person's circumstances. One third in bonds may well be too much. The real issue is whether those three ETF provide adequate diversification, not only among asset cleasses, but among stocks within each class.

For someone who wants to buy and forget, it might not be a bad portfolio, recognizing the need to rebalance from time to time. I might pick EFA instead of EFV, but that's debatable as well

The Case for Bonds, and the Problem With Bond ETFs

Why are these two funds(MBDFX and HABDX) ~70% in cash rather than bonds?