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REDDIT

$70k to invest, need advice for safer stocks and ETFs

C
Mar 22, 2026 · 05:48

Hey everyone,

I could use some advice. I just opened a Fidelity account for stocks. Here’s where I’m at

I’m 35, don’t own a house yet, and have $150k saved for a down payment separate from this. I also have $9k in an emergency fund and make $112k a year. I have $70k I want to invest

I keep hearing about ETFs and safe stocks but I don’t really know where to start. I want to grow this money safely over time, not trying to get rich overnight.

Some questions I have:

1. Which ETFs or stocks are considered safer for someone like me

2. Should I put all $20k in ETFs or mix it with a few stocks

Thanks!