Economy

I would say this to a broker, and see if it makes any sense to him. There are countless stories of large companies entering their growth stage and flying high for 2 or 3 decades. Name him some names: Microsoft, Apple, Google, Amazon, as well as big pharmaceuticals Moderna, building stocks Home Depot, Lowes, Nike, Best Buy, etc.

I heard of a guy who bought Apple, about 1990 or so. 600 shares, maybe $20k or thereabouts. It grew and split, grew and split. More than $1.6 million. McDonalds, 1972. $100 invested then would buy you a house or two today.

Solid companies, financially sound companies, with solid growth prospects. Not speculative, not a bet on a cancer cure or a crypto winner. Solid management.

If the broker hears all that and still wants to put you into a basket of stock and bond mutual funds, thank him and walk out the door. Diversification is fine, and growth stocks entering their super growth stage should be part of that diversification.

Give him 2 years to deliver. Doesn't have to be an ultimatum. "I'm willing to start small and hope for some good results and reassess annually". And I would not put all my eggs with one broker, or in one basket. I'd divvy it up into at least 20 different investments, probably with 2-4 brokers.

Yes, other posters are giving sound ideas too. Index funds are fine, but hold some cash in your investments so you can pounce if there's a bargain at some point.

There are tax consequences to investing, and inheriting. So consult the experts you need to.