If you are skilled at WP development I would look at marketing plugins. Consider investing time in developing free plugins with paid add-ons. There is less competition as your plugin would fill a unique task/niche.
Sure there would be competitors and copy cats but it's much easier to provide a new feature/better support with plugins vs themes.
You could always test the water by creating a theme. Some are still doing really well.
disclaimer: I'm building a new CMS called Pragma (https://pragma.build) which would allow users to compose pages by assembling components.
But what do you mean by invest? Learning? If you can only do HTML & CSS you should perhaps search for themes in a market with more money... e.g. Shopify, Shopware