
VOO for the average person. Hank green has a good vid on his current diversification plan due to high consolidation of AI stocks in large etf’s though. Basically a large percentage of AI stock holdings in a broad etf seems a bit risky given the speculative nature. In my years of investing in individual companies there were just as many bad picks as good ones. I’ve been successful but probably not worth the headache for most. So stick to ETF’s but look into diversifying beyond that