If you have $40,000 for investment than you are so lucky and your need to properly research & stady in your value of money in crypto sectors and i can Shareing with you my best favorite some coins if your possible than you can buy the coin list mentioned below.
First suggest Bitcoin some amout from your $40k money and you can buy also.
BNB
ADA
MATIC
SHIB
DOGE
ICP
DOT
WAVE
RARI
PEPE
XRP
ARB
ZCASH
I just shearing my favorite coins.