New Retirement: Pros and Cons of Going "All In" With ETFs

Nearly $29 billion dollars has flowed into exchange traded funds this month, with emerging markets, junk bonds, and gold ETFs clear stand outs, according to Index Universe.

ETF inflows seem to be keeping with a trend that was set last year. In 2011, inflows into ETFs were nearly double that of money going into mutual funds.

Assets in exchange traded funds now top over $1 trillion — at or near an all-time record.

As ETFs are increasingly playing a bigger role in the average American's portfolio, how should they play in your retirement?

Follow Sharon on Twitter: @sharon_epperson