It depends, is $100,000 your whole portfolio? How old are you? The younger you are, the more aggressive you can be (although this assumes that your income is going to stay fairly constant/increase over years which may not be the case if your income is solely from IM).
Do you have an emergency fund? If not you should set aside 3-6 months expenditure in cash into a cash savings account.
Most people on WF are doomsdayers, so the advice they give you is going to be slanted towards the end of the world collapsing.
In my conservative portfolio I have it broken down as the following:
25% overseas shares
20% australian shares
13% property
11% growth alternatives
10% bonds
10% cash
6% infrastructure
5% defensive alternatives
That's been sitting at around 10-15% per year for the last 5-6 years.