Pick a reputable company like Vanguard and sift through their categories of funds (index, sector, bonds, REITs, etc). Each will come with its own risk profile a

Pick a reputable company like Vanguard and sift through their categories of funds (index, sector, bonds, REITs, etc). Each will come with its own risk profile and past returns, so from there filter down into an investment thesis. Think Silicon Valley will keep doing well? Then consider a tech-heavy fund. Want to cash in on real estate plays? Then look into the holdings of their REITs. Once you do that, find equivalent funds across the various companies, and pick the one which has the lowest fees. For increased risk, put heavy allocation into a single sector. For reduced risk, pick multiple asset classes (e.g. bonds and international). For the most conventional options, look at the composition of target date funds, which balance risk geographically and temporally. Once you have a picture for what funds you want, use a screener to explore from there. Iterate on the thesis as needed