Right now is a challenging time to invest. In general I would lean towards well managed active funds versus pure index funds. The markets are in a time that a

Right now is a challenging time to invest. In general I would lean towards well managed active funds versus pure index funds. The markets are in a time that a good active manager can get you some added return. With that said I'd probably lean towards something like the all-weather portfolio. See: https://www.iwillteachyoutoberich.com/blog/all-weather-portfolio/ https://www.iwillteachyoutoberich.com/blog/all-weather-portf... Note: this portfolio does cost you some potential upside in good market conditions but with less down risk. Disclaimer: I am a big fan of Ray Dalio who came up with the all weather portfolio. I have 7 figures in such a portfolio. For the equity and bond portion I use Vanguard active funds.