Stay out of it right now. It's about to crash.
The BRICS nations are dumping US treasuries as fast as they can and are in the process of going back to the old gold trade settlement method to supplant the US dollar as reserve currency. Silver is expected to hit $500 an ounce and gold to $4,000 or more as the COMEX defaults and the paper spot price becomes irrelevant.
Consider heading to your local coin/bullion store and buying some silver bullion. You have to buy over $1,000 worth to not pay sales tax. Having any on hand will be good. Also consider getting a couple months' food storage on hand.
go to a broker like fidelity or schwab or tdameritrade and get an account with your money in it
they will give you a list of mutual funds and stock picks of their experts
Its ok with me