Honestly, you should probably ask what you want to accomplish with the invested money before deciding how to invest it. Are you planning on mitigating variance

Honestly, you should probably ask what you want to accomplish with the invested money before deciding how to invest it. Are you planning on mitigating variance in income/employment? Then you're much more adverse to variance and illiquidity. Are you planning on setting yourself up for financial independence? Then you can probably handle risk much better and something like an equity index fund would work well. Want to make sure your child can go to college? Something like https://en.wikipedia.org/wiki/Guaranteed_Education_Tuition_Program https://en.wikipedia.org/wiki/Guaranteed_Education_Tuition_P... would be an excellent choice. Want to generally make the world a better place? Investing may have superior alternatives, such as donating to an anti-malaria charity.