$20k to invest, need advice for safer stocks and ETFs
u/Complex_Upstairs_1 ·
Reddit — r/stocks
· March 22, 2026 at 05:39
· ⬆ 21 pts
· 💬 91 comments
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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. Any beginner-friendly books, vlogs, or websites you’d recommend to learn investing without getting overwhelmed
3. Should I put all $20k in ETFs or mix it with a few
Thanks!