One of ongoing challenges with my portfolio is I hold too much cash. A big reason is my ongoing pessimism on the valuation of stocks, so my risk tolerance has skewed to holding more cash. Given where I am in my life that’s not good. With the introduction of Asset Allocation based ETF’s, it’s now easier and cheaper to get a diversified equity exposure by holding a single ETF. I decided that I want put some of this cash into these types of ETF’s. I put together a video and podcast that walks through my analysis and thought process of evaluating a few ETF products.