Right now we're in a bear market which I see lasting for a loooong time aka the Japenese Nikki market where it didn't go anywhere for a while (also known as the

Right now we're in a bear market which I see lasting for a loooong time aka the Japenese Nikki market where it didn't go anywhere for a while (also known as the lost decade). I'd recommend putting most of your money in a safer place like low risk bonds just get past inflation instead of losing it in the market. You can allocate maybe at most 10 to 20% in some ETF funds of your choosing though just to have some stock market exposure.