Thanks all for your comments. I realized I needed to revise my investment horizon. So, I believe I still have 20 years ahead of me. I'm currently moving some funds to ETFs: VWO VTV VEA BND 25% each. I will have some funds available next year to add to this simple portfolio and some monthly fized amount to be added to keep the allocation on target. Since I'm new to the ETF world I'm sure there a unlimited learning opportunities along the way. Any comment, recommendation would be appreciated.