For investments, I'd put into MSCI. My definition of investment is long term, at least a time frame of 10 years. Even though interest rate is high now, it doesn't mean it will stay high forever. Being in MSCI gives me a diversification of global and sectors exposure. I might not even stop at 10k lump sum. It'd be a DCA. Time and compounding growth is the magic here. That's investment for me.