@whiteman_ Roth IRA. That way you can pull your basis out without penalty. e.g. put in 1k it grows to 2k you can pull your 1k in without owing taxes before retirement age. Online risk assessments are good, but if it's money you can stand to "throw away" for 10 years, buy SPY or some other market index fund. QQQ is the NASDAQ 100 without financial companies. Buy and hold. If you want to be strategic during the current craziness, divide your purchase up into a few parts and put 1 part in now, do a buy limit order for (current price - 5%) and another for (current price -10%). It's okay to leave it some in cash because it will be in a money market fund earning 3% or so possibly more or less as fed changes rates.