[breckenedge]

Depends on how active you want to be with your investments. There are many investments that have the potential to exceed index fund returns, but they come with greater risks and time demands. Do you want to start your own business? Or invest in other assets like real estate? Basically, how willing are you to upset your lifestyle?

I think looking ahead to the next big (known) global risk is wise. From what I can see, there will be a global plateau in working populations in the early 2030s, with many countries seeing a larger percentage of older adults relying on a smaller number of working-age folks. How will that affect you and your community? You may want to prepare now for that.