Don't Be Too Cautious
When she is young and single, I suggest both a Roth as others do and an aggressive growth fund like VGT and VCR at Vanguard or equivalents at Fidelity.
As I write this on 1/21/2022 the five-year return for VGT is 132%, for VCR is 93% and VTI is 62%. I constructed Excel...