@daviderulli99 I mostly invest into single stocks and only very limited into index funds. Conservative stocks like e.g., Johnson & Johnson or Procter & Gamble are my "riskless" part of the portfolio. You could even say they are a substation for bonds. Additionally in regards to Johnson & Johnson: Pharma is for me the second most important sector after technology. Health care is in my opinion a mega trend for the coming years and especially decades.