Please make a couple of appointments with Brokers. Check them out at FINRA Broker Check.
This is not the place to get financial help. I know seminars can help a lot with info, try a few.
Big thing is don’t be in a rush.

Annuities are the salesperson's best friend with the highest commissions possible. One thing no one talks about is long-term healthcare insurance.

One more thing as someone else said I would keep all my money out of the stock market or just put 20% in and use that 43,000 as it's the same risk as staying in the stock market and then Market going down 20% . Enjoy life you never know when you might get hit by a golf cart .

Wow, I am surprised there isn't an investment club! There is a club for everything else here in TV!

My advice - Seek professional advice, e.g. Fidelity, your bank, etc. Asking for investments tips in this forum indicates you would benefit from professional help.

Good thoughts

invest
 

if you don't want to worry about watching the stock market all the time try VTI (Vanguard Total Stock Market Index Fund ETF).
3-Year18.73%
5-Year17.90%
10-Year14.70%

Stay away from parady

Become a day trader...
:popcorn::popcorn::popcorn:

Why invest now with all that is going on and much more downside to come. 1st time in over 40 years of investing that I pulled all my money out of the market in early January. During every major downturn the last 20 years, I didn’t sell a share, I actually even bought more during those downturns, not this time. I would have been down almost $500k if I didn’t pull my $$$ out.
I don’t invest in bonds, I don’t have annuities. I usually buy very good low risk high return index funds with 2-3% dividends. I also buy etfs and a couple of stocks like Apple or utilities.
If you buy bonds making a couple %, you are losing money. Last year I averaged 33% gains overall, the year before if was 60% gains in 2020 because of the “v” shaped recovery.
I’m waiting for many changes to happen before I get back in which might be later this year or early next.
I also know you can’t time the market.

?
 

Talk to a financial analyst, us or your grocery ****** I'd trust the 1st one
short term bond for 2 years of cash flow, s&p 500 index (do you think buffet is reliable) some bonds some fund that invests in proven dividend growers (like Vanguard Dividend Appreciation ETF VIG) QQQ

Why are you asking for advice on this site - go see a CFP!!

:ohdear::ohdear::ohdear:

But has lost almost 50% of stock value in the last 5 years.

:ohdear::ohdear:

In the US, the number of investment clubs have declined since the late 1990s. The timing is correlated with growth of the internet and mutual funds/ ETFs.

https://assets.press.princeton.edu/chapters/s8637.pdf

Etfs: Divz, ryyy, pcef
 

You might consider opening an online, phone app accessible online account on Schwab. Account is free, trading is free. You can put low-risk money, prehaps $50,000 in an exhange-traded mutual fund with the ticker symbol TIP, currently yielding more than 3% and it will go up if inflation goes up. TIP invest in low-risk inflation-indexed bonds; they are US Treasury Securities. The Schwab app gives you access to help options if you are new to brokerage. If you have no investments, this is a sensible one for you. If inflation continues to rise, principal and income will go up. If not, it won't but you'll have more purchasing power. At our age, this is a win-win.

If you want something with a higher risk level, you might have someone help you look at PCEF which invests in closed-end funds with high yields and options income. It currently yields more than 8% and pays monthly dividends. The price can go down which will erode principal for a period of time, but it has always risen after such a period. Meanwhile, the income stream would continue or even rise which would defray losses.