You have a 401K. Investing in a taxable account need not be much different -- you can open a brokerage account and buy ETFs or the mutual funds available on the

You have a 401K. Investing in a taxable account need not be much different -- you can open a brokerage account and buy ETFs or the mutual funds available on the broker platform. Depending on your tax bracket, municipal bonds may be indicated over taxable bonds for the bond portion of your portfolio. You can of course buy individual stocks, which can be interesting but which typically produces a lower Sharpe ratio due to underdiversification.