If you don't how where to start investing, you can buy an S&P 500 index fund! The S&P 500 is America's 500 largest companies. S&P 500 returns: +80% - last 5 years +181% - last 10 years +271% - last 20 years +812% - last 30 years +3,258% - last 40 years +3,396% - last 50 years The S&P 500 has returned 11% on average each year, over the last 96 years.