No offense taken. I have $652K in a diversified portfolio with American Funds, $3K in stock divided between Avon and Pfizer, a government 457 fund with $108K, $20K in a credit union (my emergency savings) and I already have $34K with Vanguard, ($6K of that in a Roth IRA.) Traditionally, I haven't taken much risk. But I figure #13,000 is okay to experiment with.