<< I'm scared. I'm talking about 33k. >>

Ok, maybe you are right to be cautious, but you need not be scared. You should invest in accordance with your own personal comfort level.

I have two thoughts which might increase your comfort level.

1. Consider not investing all at once. Keep some in a money market type account and sort of dribble it into the market over a period of time, perhaps a period of a few years.

2. The Foolish Four is good, but also consider putting some into at least one index such as SPY, DIA, and/or QQQ which should provide additional diversification and comfort.

Putting the two concepts together, you should end up with excellent long term core holdings with which you should feel both comfort and satisfaction over a long period of time.

DHatch