Mike,
This is only my opinion and what I would do not any sort of financial advice.
I would split up my holdings and use a small bank roll to speculate heavily on stocks. So I would use 10-20k and play with that money and only do this if you are ok with losing it all.
I personally don't like ETFs but if your new then probably best to stay there.
I like to try and make 5-10% on my play money on every trade. Once the 10-20k becomes 50-100 it's easier to make money so I reduce the percentage to 3-5%.
keep in mind Capital gains tax when you enter and exit a trade.
Cheers
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