$SPY This isn't a one sided chess match. You don't know what bullish moves the economy can make. You can't just list cons... high inflation is absurdly bullish. Parking my money here because the stock market holds up so well in very risky times. Generational wealth to be made if you are young, you will enjoy the retirement life when you're 50. Also SPY's mean is not linear, it is exponential, be patient.