Your first option sholud be to fund fully a retirement account. This is always a great investment. If you have done this, or you wish to wait on the retirement fund, then one of the best things you can do is open a DRIP Plan.They are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street. The best part is you get solid annual returns from well-known, safe Blue Chip companies like: McDonalds, General Electric, Pfizer, Walmart, US Bancorp .etc ..They are inexpensive to start and maintain, and your dividends are reinvested for free.They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. There is no need for you to get to aggressive, you are young. Let dollar cost averaging and dividend reinvestment work in your favor.Good Luck