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The VTI ETF at Vanguard, as was suggested, is an excellent choice. You'd get broad market exposure (and thus, instant diversification) right from the get-go.

We recently had 6 days in a row when the market went down, followed by one day when it went up. An early lesson for beginner investors to learn is that you have to be in the market for a long time. You may experience losses for a few days in a row -- but probably not for a few years in row. An investment is not something that you can expect will pay off in a few days. But in will definitely pay off in the long run.

Good luck!

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