There's also the lifestrategy funds. This is what vanguard recommended for me when I took their little quiz. After getting tired of messing with ETF's, I wanted a fund. So I was trying to decide between STAR, Wellington, lifestrategy, and a plain index. I couldn't decide, so I just went with their recommendation of lifestrategy growth, with the 80/20 split. Note that this is in a taxable account, things may be different if you're doing a retirement shell.