Invesco QQQ

Pros

• I’d recommend putting it into FXAIX, QQQ, and/or a target date fund. Since you probably won’t be touching this money, these are good long term investments. ... QQQ tracks the NASDAQ.
• Put all into stock (QQQ or some major big companies like FAANG)
• Index ETFs Are Your Best Bet – VOO or SPY (S&P 500) and QQQ (tech-heavy) are great choices.
• Invest in low fee/high liquidity ETFs like SPY or QQQ.
• If I was your age, knowing what I know now, I'd be 100% QQQ or QQQM or similar depending on what's available in your company 401-K and I'd keep adding until retirement.

Cons

• Please don't do QQQ. Its way too tech heavy.
• You don't need any concentration in "the 100 largest (non-financial) companies that happen to trade on the nasdaq exchange". It's a nonsense index. There's no fundamental reason for that selection criteria to outperform in the future, it...
• I had some in a HSA and put it in QQQ and it double in value in 5 years. But that is more risky than VTI
• Heck, QQQ (tech stocks) opened down 3% just a couple Mondays ago.
• None of the morgan stanley funds are in bonds (VOO, SPY, QQQ, IJH, DIA, USMV, IJR). I honestly have no idea what her guy at morgan stanley is doing and why shes in so many different funds other than it benefiting them.