I'm 74, and got very burnt in the "Dot Com" rage. Since then I've tried to obey something a finance professor said to us in class: "Don't invest beyond the sleeping point", in others words, if you so much invested you can't sleep, you have too much invested. That being said, I've gone with SCHD, with an expense ratio of only .06. You might not get rich with it, but you won't lose your shirt either.
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