Crappy?! VINIX is vanguard's intuitional version of its S&P500 fund. The fees are even a bit lower than VFIAX! You literally can't beat it! Just realize its all large cap, so if you want some smaller cap weight (like VTSAX) you will need a small percentage in something like a Russell 2000, or combo of S&P 400/600. The bond fund isn't horrific either, looks pretty well diversified with and "OK" 0.66 ER.
Remember there are advantages to holding certain types of assets in tax deferred accounts, if you don't understand this concept read up or post a case study for members to help.