Where can I invest $20,000 beyond 401K and some Vanguard mutual funds? I am thinking of investing in real estate, but do not want to buy a $300,000 house. What are the options? I have been reading about Ark7 and other platforms, and also about Vanguard Real Estate Mutual Fund, etc. Are these worth looking into?

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Can I ask why you want to invest beyond your vanguard mutual funds (which I am assuming is in a taxable brokerage fund) ? Have a good reason else you will make your life complicated with too many funds and no clear goal (lesson learnt the hard way for me :))

Develop an asset allocation and stick to it. Invest the 20k in the same funds that meet your asset allocation. If Real estate is something you want diversify into , vanguard real estate index is a good starting point (I hold it in a Roth IRA coz REITs are not the most tax efficient fund).

Depending on your age, tax bracket and tolerance pick two or three index funds and keep at it. ARK and other novel funds all sound great at various points in time but for long term systematic wealth building - stick to your core low cost index funds.

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Buy index funds.

Have you thought about investing in short term bonds

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