Pretty much 100% in SPY, QQQ, and it's Vanguard equivalents. People with far more resources than I have tried to crack the code, but it's really almost impossible to predict where the entire market will be in a week, a month, or a year. And even less so with individual stocks. The only thing that's a bit more certain is it'll go up at a roughly even pace on a long enough timeline, which is what I'm banking on; I have time and can ride out the dips to (hopefully) capitalize on long term growth. Now if I was closer to retiring I'd probably take a different approach and focus more on conserving what assets I already have, and switching to generating income whether that's with dividend funds or CD's.