Invest in stocks/bonds.

Investing in stocks and bonds is a common way to build wealth and achieve long-term financial goals. Here's an overview of each:

**Stocks:**

1. **Ownership Stake**: When you buy stocks, you're purchasing ownership stakes in companies. As a shareholder, you're entitled to a portion of the company's profits and have voting rights on corporate decisions.

2. **Potential for Growth**: Stocks offer the potential for significant long-term growth. Historically, stocks have provided higher returns compared to other asset classes such as bonds or cash, although they also come with higher volatility and risk.

3. **Diversification**: Investing in a diversified portfolio of stocks can help spread risk and mitigate the impact of individual stock volatility. You can invest in individual stocks or through mutual funds, exchange-traded funds (ETFs), or index funds that offer exposure to a broad range of stocks.

4. **Dividends**: Some stocks pay dividends, which are distributions of a company's earnings to shareholders. Dividend-paying stocks can provide a steady income stream, making them attractive for income-focused investors.

5. **Research and Analysis**: Successful stock investing requires research and analysis to identify high-quality companies with strong fundamentals and growth potential. Factors to consider include the company's financial health, competitive position, industry trends, and management team.

**Bonds:**

1. **Fixed-Income Securities**: Bonds are debt securities issued by governments, municipalities, or corporations to raise capital. When you buy a bond, you're lending money to the issuer in exchange for regular interest payments and the return of the principal at maturity.

2. **Income Generation**: Bonds provide a predictable stream of income through regular interest payments, making them suitable for income-oriented investors seeking stable cash flow.

3. **Capital Preservation**: Bonds are generally considered less risky than stocks and provide greater capital preservation, especially for investors with a low tolerance for risk or those nearing retirement.

4. **Diversification**: Including bonds in a diversified investment portfolio can help reduce overall portfolio volatility and provide stability during market downturns. Bonds tend to have a negative correlation with stocks, meaning they often perform well when stocks are underperforming.

5. **Interest Rate Risk**: Bonds are sensitive to changes in interest rates. When interest rates rise, bond prices tend to fall, and vice versa. Investors should be mindful of interest rate risk and consider the impact of changing interest rate environments on their bond investments.

Whether you choose to invest in stocks, bonds, or a combination of both depends on your investment goals, risk tolerance, and time horizon. It's essential to diversify your investment portfolio, conduct thorough research, and seek professional advice if needed to make informed investment decisions.