[linsomniac]

Consider using a "target retirement fund", they have different ones that are based on the expected retirement year, and the mix gets more conservative as that year approaches. Vanguard has a series of them, for example VFIFX for 2050 or VTTSX to 2060. These can be purchased through low cost brokerages other than Vanguard, if you like.

You can also get a financial advisor, to help select investments, at the cost of ~1.5%/year.

I have some money in each of these options, plus my own picks that I manage.