<prompt> Human: Ive 20000 to invest long term and want advice with splitting this amount among various funds ETFs on Vanguard to diversify.Given the heated nature of the market currently, I want to stay a bit conservative.Thanks!  <response>: Usually you want to be conservative because you need the money soon or otherwise cant tolerate swings in value, not because you are guessing the market is expensive or not. If you dont need the money for a while, you could easily diversify with a target date fund, for example, or you can look into various equivalent portfolio construction styles as described in the links from the Investing wiki page. 