iShares Barclays 1-3 Year Treasury Bond SHY

… ETF 3.75 % Schwab Emerging Markets Equity ETF 3.83 % iShares MSCI EAFE Value Index 6.78 % iShares Barclays TIPS Bond 4.35 % iShares Barclays 3-7 Year Treasury Bond 11.17 % iShares Barclays 1 - 3 Year Treasury Bond 4.63 % Thanks

I posted this in the wrong forum so wanted to repost.  I am 30 years old, own my own business and make a good salary, I feel.  I'm trying to save 30% of my salary for retirement so I can retire early (45) or at least cut back my hours.  My debt is $105,000 student loan at 2% interest and a mortgage at 5.75% for $150,000. Right now I have 3 retirement vehicles: 1.  2 Roth 401ks through Sharebuilder 2.  2 Traditional IRAs through T Rowe 3.  A taxable account with 20 free trades monthly through Sharebuilder. I am maxing out mine and my wife's Roth 401k through sharebuilder (which allows us to pick only from about 16 ETFs) for a total of $33,000.  Here are the ETFs I have to choose from from my wife and my separate 401ks.   Equity Fixed Income / MM Specialty SPDRs (S&P 500) iShares Barclays Tips Bond Fund iShares Cohen & Steers Realty Majors iShares Russel 1000 Growth Index iShares Barclays 1-3 Year Treasury Bond Fund iShares MSCI Emerging Markets Index NASDAQ 100 Trust Shares iShares Barclays 7-10 Year Treasury Bond Fund iShares MSCI EAFE Index Fund DIAMONDS Trust, Series 1 iShares Barclays Aggregate Bond Fund   I am maxing out our traditional IRAs for a total of $10,000 (Paul gave me some good advice that I need to look into regarding possibly recharacterizing the trad. to a roth 401k after contributing but I need to research this more regarding when and how I can do this and tax implications). I am saving an additional $30,000 in a taxable sharebuilder account where I can do automatic investing with 20 free trades/month am working hard to save more where I can with using coupons, eating out less, etc. I already have $110,000 saved for retirement but need help developing a portfolio.  I am not a buy and sell guy.  I want to hold for the long term, rebalance every year and prefer simple investing as opposed to something more complicated.  I want to start aggressive since I feel I'm still young. Paul also mentioned keeping taxes in mind.  From what I've read I should keep bonds in non taxable accounts and tax efficient stocks in taxable accounts although I don't understand why.  Some specifics on portfolio funds or indexes would be great and possible percentages. At $110,000 initial investment, a $73,000 contribution yearly and a 8.5% interest I feel I will be on target to retire or semi retire  in 15 years.  However, I will most likely work a few days to live off my work salary so I can accumulate and compound my retirement until I start taking it out at 62. On a scale of 1-10 with 10 being highest my investing IQ is a 6.     Thanks!