It varies from person to person. It depends HIGHLY on your age, goals, risk aversion, personality.ALso, be sure if you're gonna invest, that money should NOT be(as a general rule) money which YOU CAN"T AFFORD TO LOSE. Choices in A & B are by no means complete, there are other investment vehicles out there: A) Relatively low-risk products, like bank products, CDs, bonds, mutual funds.. (Research about these) B) (be sure to STUDY these before you jump in) stocks, forex, options, futures, commodities, real estate. if you are risk-averse: go for A if you are not so risk-averse(that is,you're a risk-taker): go for B if you are 15-35y.o: you can go for 20-40% A, & 60-80% B (Note: regardless of age, this still depends on your goals,personality & risk aversion) if you are 36-50y.o: (at this age ONWARDS,you cannot afford to lose money,regardless of the amount,so think hard of how much & where you'll invest) you can go for 60-70% A, & 30-40% B if you are 51-80+y.o: you can go for 60-80% A, & 20-40% B ***it also HELPS to maintain a day job while you have investments--work while (on the side) your money works for you. Eventually, you don't have to work anymore as your money 100% works for you! ****Remember to LIVE BELOW YOUR MEANS. Bear in mind these points, don't be hasty(Patience helps), do your research before you invest & you will never go wrong. Good luck to your $5ooo!!