Ur all dumb

Money market funds or CDs should get above 5% right now whether thats with a bank or brokerage.

It depends on your time horizon and risk tolerance. Typically dont buy stocks based on hunches… just buy index funds and/or interest bearing vehicles. I have a small basket of stocks, a lot more index funds, and then the majority of my holdings are in a money market fund in this high interest environment. I would consider rebalancing to more index fund allocation if interest rates diminish.