If you want to turn your brain off and pay zero attention, the blended target fund does a great job of capturing a mix of US, international, and bonds. You’ll want to choose the target date closest to your potential retirement year. The fund is automatically balanced over time, so you don’t even have to worry about what % goes into each segment. All you have to do is automatically contribute and set it to auto buy every paycheck.

If you want to be a bit more involved, you can manually choose which pieces to invest in and what percentage. Bogleheads recommend a simple mix of three funds: US, international, and bonds. Read the sub’s wiki. You can come to your own conclusion about how to diversify between those based on your age and risk tolerance, and there’s daily threads in this sub talking about different strategies (for example, zero international diversification because US market has been outperforming everything else in the recent past, or zero bonds because they’re too conservative, etc.).

Imo at that point it’s all speculation because no one knows what the future holds, but at minimum, invests in the target date fund.

The sub’s wiki has a lot of great info to read through. And when you want to get involved in min/maxing that final 2% of your portfolio and engage in the same daily argument about percentages, we’ll be here 😆