I’m 18 and and have 5 grand in individual stocks right now (they’re all large companies) and 3k in my high yield savings account. I also have 15k and 16k in two CDs (my parents did this so I could get a higher APY). I’m pretty sure I’d make way more money if I transferred the money from the CDs into an S&P 500 etf like VOO and just let that grow for like 20+ years. Do you guys think this is a smart decision? I’d keep around only 5k in my high yield savings account for emergencies/miscellaneous.