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At 39, you are probably years away from retirement. Fools will usually suggest that you invest almost entirely in equities (until you get within 10 yrs of retirement).

For most people your core investment is an S&P 500 Index fund or a total market funds such as VTI. As your assets grow, people often diversify by adding growth funds, an international fund, a REIT fund, etc. Bonds and fixed income funds are not usually needed until later.
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