@jross this is very sound advice.
Returns are unpredictable, but fees are not.
Which leads to the mutual fund recommendations above. They are all very high fee funds that have performed anywhere from meh, to very poorly. Fees range from 0.6% to over 2% for some of these. There is no coherent strategy involved either. Many are asset allocation funds that have large bond holding along with stock holdings, yet the suggestion is to hold some bond funds to get bond exposure. I wound not accept any advice you find here. Including my own.