I guess the question you should be asking, how much capital are you trying to generate and how much risk are you willing to take? You talk about a 5 year timel

I guess the question you should be asking, how much capital are you trying to generate and how much risk are you willing to take? You talk about a 5 year timeline, do you want a nice 5% return annually for 5 years? End up with 25k. Then you're looking at safer investments into index funds or maybe even high yield bonds. Do you want it to be 100k or a mil? Then you're looking at trying to pick horses in investments. What will give you 5x return in 5 years, probably picking a single or handful of assets that could see major return. Could be stocks or something crypto. You could certainly yolo it wallstreetbets style and buy GME/AMC/whatever you think is the next meme stock that will pop. Could potentially get that return tomorrow, especially if you bought options and get lucky. I sold a covered call last month, whomever bought it could have potentially made 66x in 2 weeks. Had that been you and your risk tolerance is insanely high, you could have been a millionaire from that 20k (yes, I sold a AMC call, covered of course).