This plays big. You can go conservative with a lower gain expectation, but higher likelihood of stable gains. Or you can go aggressive with high yield investments, but the potential of negative losses rises. That's why you need to talk to an advisor/investor. You tell them your goals, they design a plan that fits those goals. Are you looking for short term high yield or long term moderate gains? I started investing back in the early 80s and chose (at that time) long term "safe" moderate investments. Just leave it alone and the end result is more than you expect. And you can always change your planning as life events change.
