50% Vanguard Total Stock Market ETF (VTI)

and 50% Vanguard Total Bond Market ETF (BND), the simplest couch patato portfolio, originally created by Scott Burns many years ago.  

I said earlier as long as you do your due diligence to rebanlance it twice a year (either you or by somebody else), doesn't matter "这个最后10年要是落在那个啥时候" and when you started as long as you have 10 year investment horizon.    

BTW, that's the way Warren Buffett recommended many times to everyday joe. You think Mr. Buffett is putting his repution at risk by not telling us the truth?