VTBIX
Vanguard Total Bond Market II Index Fund
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If you want to allocate the same way that a professional investment manager would, check out the holdings of a targeted mutual fund (like VTTHX) and invest accordingly. To save you some time, MSPMX = VTI, VGTSX = VXUS, VTBIX = BND, and VTILX = BNDX
The idea of target date funds is that they are already "funds of funds" that are maximally diversified. Right now VTTHX is: * 42% VSMPX - the total US stock market fund * 28% VTSNX - the total international (ex-US) stock market fund * 21% VTBIX - the total US bond market fund * 9% VTILX - the total international bond market fund So it's already extremely diversified and adding any additional funds to that portfolio would only make it *less* diverse, not more diverse. You can put 100% there and just forget about it for a decade or so. Note that there is always *some* risk with investing. That's what makes it lucrative. That said, this is a very well balanced portfolio and with a 10+ year horizon I think will do very well.
If you're looking for "set it and forget it", there are also target date funds that'll do this or something very similar and adjust their holdings over time. For example if we're talking Vanguard (other brands are available) and a target retirement date of 2050, [VFIFX currently holds](https://investor.vanguard.com/investment-products/mutual-funds/profile/vfifx#portfolio-composition): * 54% Total US Stock Market (VSMPX, same holdings as VTSAX) * 36% International stock (VTIAX) * 7% Total US Bond Market (VTBIX) * 3% International bonds (VTILX) They'll rebalance and every few years they'll adjust the holdings, so in twenty years it might look [more like VTHRX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vthrx#portfolio-composition) does now: same funds but shifted a bit away from stocks and more bonds, less international exposure, something that'll be a little more stable.
even with a fiduciary responsibility they may still charge you insane fees. I know Wells Fargo advisors have a fiduciary responsibility yet they still charge 1% total AUM fee per year.. just invest in funds with 0.50% to 1.5% fees... so in all you're paying 1.5-2.5% just to under-perform 80% SPY/20% VTBIX.