Use Vanguard, Schwab or Fidelity. Put 42% in total stock market, 18% in total international stock market, 28% in total bond market and 12% in total international bond market. Re-balance to those percentages every 6 months. Your return will average about 9% a year and your risk profile is very low. Much lower then the S&P or other suggested investments.
Your expenses will be extremely low. With Vanguard they will be less then 1/10th of 1% by using Admiral shares. It’s extremely important to re-balance to those exact percentages. Forces you to sell high and buy low.
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Life is to short to drink cheap wine.
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