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REDDIT

380k capital, no debt and want to invest

D
Jun 16, 2026 · 03:06

Hello,

50 years old and have 380k mostly tied into CDs. Have a little over 400k in my 401k. Do not own a home, no debt, make 103k annually and guess just scared to invest and lose money, since I am not the best with stocks. I have about 50 shares of Nvidia that I purchased a while back and thinking of investing more. Any thoughts? S&P 500? Remain in Cds? Its only 4% now, so I think I should invest in better things. TIA!