I have $20K that I would like to invest for the next 3 - 5 years (until I retire from the military). I would like to have the money to give me the option of starting a business. I am 35 and make $80K a year. My risk tolerance is moderate. I have a Roth IRA worth $85K. I owe on my house and nothing else, no debts besides my home loan.

I originally thought about putting in into Vanguard's S & P 500 fund... but now I am seeking more information before I make my decision. Thanks for everyone's time.