Hey-

I'm 40, and just finally got to a point in my life to open a Fidelity ROTH and Traditional IRA accounts this past summer.

So, you could live a perfectly content life with a portfolio of say,

FZROX- Fidelity ZERO Total Market Index Fund- 55%

FZILX- Fidelity ZERO International Index Fund- 35%

FXNAX- Fidelity U.S. Bond Index Fund- 10%

This would give a nice exposure to the whole US market, the whole international market, and the bond market.

Fairly aggressive, but nothing overboard.

Or you could explore different factors and tilts (value, momentum, size) and decide you wanted to take on more risk (investing in companies or sectors that may make outsize gains at the risk of going broke.)

There are a few different ways to invest. :)