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      11-27-2019, 11:36 AM   #10
gqgambler
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Drives: Fast & Furious
Join Date: Jun 2018
Location: Beast from the East

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I would question what mix of investments and retirement savings you have already and determine your risk aversion before making any recommendations for investing. The market is doing well now, but if you are a ways from retirement it may be wise to diversify the investment across index funds, growth funds, small and low cap, and international funds. If you have a low tolerance for risk something like an index fund or large cap fund may make more sense to you. Either way it may be best to spread the investment across several options, the question is just how much to allocate to each. Or choose a target date retirement mutual fund that will alter that mix for you from aggressive to conservative as you and the fund age.
https://www.fidelity.com/mutual-fund...olios/overview


In car talk, do you get the safe reliable Honda Accord which so many buy and have a great track record (index fund, think major stable companies with large market share and steady consistent slow growth). Hop into the sporty 911 that is a female and cop magnet (small and mid cap funds that can produce higher returns because of faster growth funds but aren't stallworths and have risk). Chase the Aventador, a bigger magnet, that is awesome but an expensive risk (international funds). Or go electric with the Model S that everyone is chasing and may be the next best thing (venture capital). A solid Ford Explorer will take you on your journey for many years and adapt as you grow from single outdoor guy car, to versatile young couple ride, to reliable kid hauler (target date retirement fund). Don't forget the reliable and boring Town and Country that isn't glamorous or fast but gets you there slow and steady (low yield bonds). Or stock your garage with a mix of cars that each serve a purpose and spread around the fun; wouldn't it be nice to have a choice of different rides each day.
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