Unless you have a good insight, you're probably not going to beat the market. I'm a big fan of Betterment: https://www.betterment.com/ https://www.betterment.co

Unless you have a good insight, you're probably not going to beat the market. I'm a big fan of Betterment: https://www.betterment.com/ https://www.betterment.com/ Make a financial goal, and Betterment will tell you the possible outcomes if you put X% in stocks and 100-X% in bonds. You select a risk level you feel comfortable with and it'll handle the rest for you. It's also like a bank account - you can deposit and withdraw at any time. As the Wu-Tang Clan said, you need to diversify your bonds: https://www.youtube.com/watch?v=1_rDtmT246s https://www.youtube.com/watch?v=1_rDtmT246s