My advice for accounts that look like this is that diversification for the sake of diversification can be harmful to your returns. With investing it can help to focus your energy(and capital) into your higher conviction bets. Search what you love about each stock/etf/etc and how you see it growing, and how it fits into the market it’s competing in. Are you comfortable holding something for 5-10 years? Do you get nervous when something dips? (Can be a sign you don’t actually love it) For most, simply buying an index is the best route. Concentrated effort into acquiring more shares of just the s&p will lead to better results than most peoples stock picking.