"Put it in SP500 via $VOO" is valid advice. An extra 10% - 40% of that into US total bond market $BND will go quite a ways to de-risking. So will another 20% in

"Put it in SP500 via $VOO" is valid advice. An extra 10% - 40% of that into US total bond market $BND will go quite a ways to de-risking. So will another 20% in $VXUS for international stock market exposure. I would personally recommend 50% $VTI, 20% $VXUS, 30% $BND. bogleheads.org for the reasoning why. Flatly ignore anyone recommending 3x leverage HFEA gambling addict nonsense. Listening to them, your portfolio would be down 62% to $260k this year, worse than 09 great recession.