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REDDIT

What’s a good way to spread out my money without taking too much risk

B
Feb 26, 2026 · 13:54

Im 22 and currently have about $5k invested in the S&P 500. I’ve been getting promotion after promotion at work, so I’m making pretty solid money for my age and I want to start growing it more aggressively. I’m totally fine playing the long game.

I’ve had people tell me to invest in companies I personally like (for example, Netflix), but I’m not sure how I feel about that. It seems like most companies go through drama or volatility at some point, and I don’t really see myself holding individual stocks long-term. It feels more like something I’d hold for a year or two and then sell.

So I’m trying to figure out:

• Should I just keep consistently investing into the S&P 500?

• Should I look into other ETFs that are similar but maybe more growth-focused?

• Or does it make sense to start picking individual stocks I believe in?

For context, I’m fine with risk and I’m thinking long-term (10+ years). Just trying to be smart about building wealth early.

Would appreciate any advice