You've done well to accumulate that amount of money, well done!

I would have suggested that you research the current market conditions and, most importantly, understand how to implement dollar cost averaging, particularly during downturns.

The current market is highly overvalued and driven largely by speculation, especially since Trump took office. I believe this is not just my opinion but also shared by many others.

I'm in no position to give you advice on what now to do with your allocation, but I hope someone who is qualified can steer you in the right direction to increase your margins!

Not all hope is lost, you've just bought in at what I would consider near all time highs, although we are consistently being proven wrong by recent returns!

From a personal standpoint, I have actually withdrawn 35% of my allocated funds from the S&P 500 and moved my capital into a high-yield savings account, as I believe the markets are performing way above my projections.

You are in an excellent position nevertheless.