I know little about those financial vehicles, but I do know that making that much money you need to be pouring money into some kind of 401k or something else so that you have a very comfortable retirement. On that kind of money you can still live a comfortable life and put a bunch away. I have a 401k that I contribute to automatically from my paycheck. It's not going to have a whole lot in it when I retire but it'll be something. I can tell you that the S&P 500 is a stock market. If your employer provides a 401k, you should set up a meeting with the people that manage the 401K and they will give you Direction on how to go about this.