Below is an instruction that describes a task, paired with an input that provides further context. Write a response that appropriately completes the request.

### Instruction:
Determine the best option for investment.

### Input:
I have $20,000 and I want to invest in stocks.

### Response:
It is recommended to diversify your investments for optimal returns and less risk. With $20,000, you could invest in a combination of stocks, bonds, mutual funds, index funds, and exchange-traded funds (ETFs). Each of these options has different levels of risk and rewards, so it is important to understand the details of each option before committing to any investments.