If you plan to use your money in the next 5 yrs., your risk ratio keeps you in savings, T-bill, Money Market.
Investing implies you are willing to keep the sum in the market for 5+ yrs. N o one has a crystal ball with acurate, clear vision through this political term. Right now the rules are bent out of shape. Interest rates are down but the market isn't consistently moving up. Inflation signals are screaming at us. Unemployment is higher than all that gov't spending was supposed to control. No one know what the Xmas market will look like. Buyers are cutting back inventory...it's all going wrong!
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