Asset allocation, or the mix of stocks and bonds in your portfolio accounts for over 90% of the variation in it’s return.  The challenge for investors is deciding how to build that initial mix and remembering to rebalance their portfolios to stay on track to their investment objectives.  The innovation of Asset allocation ETFs has solved this for investors; these low-cost ETFs invest in a basket of ETFs that are built and managed for you to specific investment objectives (conservative, balanced, growth, and more).