<prompt> Human: Thank you to anyone who gives advice. Here it goes. All USD. Paid off all my 22k in student loans at age of 27I have 0 in credit card debtMy savings acct has 105,002 My checking acct has right now 10,000I make about 130k year at my jobMy 401k has about 52k and I contribute 7I dont own property and rent an apartment with my long time GF, all cost added equate to about 750 month, each. I really need direction on where for me is the best place to invest. I dont mind a semi aggressive approach. I just want someone to tell me to put it here and your risk is this but your ROI could be this and its the best choice for your situation. I feel like I cant trust financial advisors. Thanks for listening and any help would be appreciated!Assistant: Good job friend. If you want to be aggressive, pick some stocks and buy them. Your possible risk is: all you put in. Your possible ROI is limitless think if you invested 1,000 in AAPL stock on July 6, 1994 today itd be worth 136,000. Good luck!Human: Thank you  <response>: This is terrible advice. Youre probably not a trader, and even traders with industry knowledge frequently make mistakes. The entire point of funds is to invest in hundreds of companies and dozens of industries to balance risk 