Though I love the creative business ideas. . its a very difficult choice right now, because the Federal reserve has said it is raising interest rates, which depresses equity prices, especially technology shares. A slowing economy and higher prices with inflation will squeeze alot of margins and eps. However, a slowing economy and world war iii about ready to break out will help put a floor on the bond market.
I would wait as there is no reason to rush into buying equities, and long dated bonds are not the best with possible inflation continuing. .
If you must buy equities, then I would stick with XLE, energy stocks and SPYD, high quality dividend value stocks. I would limit equity to max 20% for now, as the risk for continued valuation compression or valuation reduction is very high, and you don't have much time to recover any large losses.
But remember, I am an anonymous poster on an internet web site, so everything I type could be interpreted as
