With a 5-year horizon and moderate risk tolerance, you’re aiming for a balance between growth and stability—something that can outpace inflation and earn a decent return without exposing you to wild market swings. A diversified approach is your best bet. One solid option is to allocate your $10,000 across a mix of low-cost index funds or ETFs. For example, you could split it 60/40: 60% in a broad stock market ETF (like one tracking the S&P 500) and 40% in a bond ETF (like one focused on intermediate-term U.S. Treasuries or a total bond market fund). The stock portion offers growth potential, while bonds cushion against volatility. If you’re comfortable with a bit more hands-on management, consider a target-date fund set for around 2030—these automatically adjust to become more conservative as the date nears, aligning with your timeline. Another idea is to put $7,000 into a diversified equity fund (think global or U.S. large-cap) and $3,000 into a high-yield savings account or short-term bond fund for easier access and lower risk. Over 5 years, historical averages suggest a 60/40 portfolio might return 4-6% annually, though nothing’s guaranteed. Keep fees low—look for funds with expense ratios under 0.2%—and avoid chasing hot stocks or trends, which can backfire with moderate risk. Rebalance yearly to maintain your allocation. If life changes (say, you need the money sooner), you can tweak the mix. Start with a brokerage like Vanguard, Fidelity, or Schwab, where you can set this up easily. What do you think about this approach? Anything specific you’d prioritize?