4 ETFs are available to investors: Vanguard Total Stock Market ETF(VTI): It invests in constituents from the CRSP US Total Market Index. The investments cover large, mid, and small caps and the investing styles include growth and value companies. VTI is committed to fully invested. The expense ratio is 0.03% per year. Vanguard Total International Stock ETF(VXUS): The ETF tracks the components of the FTSE Global All Cap ex. US index. It invests in companies across developed and emerging markets except for the US and is a well-exposure and diversified ETF worldwide. The expense ratio is 0.08% per year. Vanguard Total Market Bond ETF(BND): The fund mimicking bonds issued by companies from the Bloomberg Barclays Aggregate Float Adjusted index. It buys bonds including public, taxable, investment-grade, corporate, government, and international dollar-denominated bonds but excluding inflated-adjusted and tax-exempt bonds. The asset also include asset-backed and mortgage-backed securities. The ETF seeks high and steady investment income streams over mid-to-long terms. It may suit stock investing aiming to diversify portfolio risks and increase income. The yearly expense ratio is 0.035%. Vanguard Total International Bond ETF(BNDX): The ETF covers bonds from the Bloomberg Global Aggregate ex USD Float Adjusted RIC Capped Index(USD Hedged).  The fund invests in bonds outside the US and uses hedging tactics to reduce exchange risks. It remains fully invested. The expense ratio is 0.08% per year.