re: Question on how to invest for a small account

You are likely over thinking this OP. It’s a good chance to start a taxable brokerage account for sure. But you aren’t going to earn a lot most likely in 5 years and $10-30k. You could just put it into a money market getting 4-5%.

Probably the best thing is to call this an ‘emergency fund’ and do auto transfers of a certain amount and then just buy a single etf.