MAXJ
iShares Large Cap Max Buffer Jun ETF
stockBATSETF

Of you want to participate in the market, but with a max down-side buffer, a ladder of MMAX, MAXJ, SMAX & DMAX could be considered. If in a tax-advantage account, consider SCHD & LVHI. Maybe just do a small portion of your account, and DCA in every so often. You didn't mention your age or how long till retirement. But consider the longer you have till retirement, the more risk you should take. I'm 57 and retired, but I'm still about 80% equities.