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新人有问题请教,关于COUCH POTATO 投资方式

年纪一大把才懂得投资的重要性,希望从现在开始还不算晚.
大家对COUCH POTATO 的投资方式有什么看法.大概就是每年调整一次
20%ETF for US EQUITY, 20% FOR ETF canadian equity, 20% ETF FOR international Equity, 40% for bond? according the 30 years historical data, the return is about 11.6 for a clasic ETF fund. is 11.6 a good number or just so so comparing to the effort and low cost. here is the link

http://www.canadianbusiness.com/my_money/investing/article.jsp?content=20060405_150734_3924#adSkip&page=2

thanks for advice
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