<prompt> Human: Im about to rollover a small amount of money 4,000 into an IRA. Its part of the settlement from my divorce and is coming in through a QDRO. I dont plan on making any additional contributions, so it will be more of a set-it-and-forget-it situation. Im 37, no mortgage, I make regular contributions to my 401k at work and a recently initiated Roth 401k.I was thinking of putting it in no-load, low-fee Vanguard ETFs, specifically a Total Market Stock Fund, but then I got to thinking. Ill be completely exposed to valuation risk of the fund I choose. So then I wondered if I should diversify for income and asset protection.Ideally, I would split it four ways, 25 each in Total World Stock, Total Bond or Long-term Bond, since I dont expect to withdraw until retirement, REIT Commodities.So in summary, Im setting aside some money till retirement, and these are the things I would like to accomplish 1. Preserve the initial lump-sum investment2. Accrue income over the next 25-30 years3. Be sufficiently diversified4. Avoid trading feesIs there a better way for me to accomplish that?  <response>: Ideally, I would split it four ways, 25 each in Total World Stock, Total Bond or Long-term Bond, since I dont expect to withdraw until retirement, REIT Commodities.This is the right logic, but each of these funds will likely have a 3k minimum, so you would need 12k to invest. Instead, you could invest entirely in something like Vanguard Target Retirement 2040 which already has a balance of US stocks, international stocks, and bonds. If you want a higher bond allocation, shift to a closer target date like 2030. 