Bruce has given you some sage advise. Not enough info here to give you good advise other than what Bruce has said. There are lot's of good mutual funds out there. There are lot's of good investment strategies. I could list off several, but without enough info (and that would be way more than you would want to put out to the world on an open forum) you are just throwing darts. Find a financial planner that you can trust. Find several. Ask them all for a plan. Give them the info they request and see what they come up with. Then, based on their personality and what they present, go with the one you like, that you can talk to, that makes you feel good about your investment and what they will do for you. Trust is huge in this.