I generally try not to stray too far from just "VOO and chill" but our bank guy was pitching us an instrument that actually seemed interesting. Basically its something like this: Basket of predetermined stocks, like 25-30 blue chips 3 year maturity 1 year auto-callable at 23% (if the basket is up 23%+ after 1 year, you get your principal immediately +23%) 75% downside threshold (if after 3 years the basket is worth between 75-100% of the initial amount, you get 100%) 1.3-1.5x upside g
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