Hello,

I've been managing my portfolio of about $150K using a relatively simple all-ETF strategy. I'd welcome the opinions of more experienced posters.

My target allocation is as follows:

- VTI (total market): 30%
- VWO (emerging markets): 5%
- VEA (developed markets): 15%
- VNQ (REIT): 20%
- VGIT (total gov't bond): 15%
- TIP (inflation-protected securities): 15%

All of those ETFs can be traded commission-free on my online brokerage.

Every few months, when I accumulate a good chunk of money (around $5K), I invest it according to the above allocation. I may, however, temporarily hold off on buying ETFs that currently seem overpriced (based on the last 52 weeks).

I'm a 33-year-old professional. I never sell any of my ETFs, as I'm in it for the long haul.

Any commentary would be greatly appreciated!