I would advise to use the strategy of 50:50 method. If you are doubting and still undecided that you are wanted to take risk or not, this 50:50 method could help you. This is how it is, saved 50% on your own wallet and 50% to for investment this both is for a long time period that you are really wanted. We all know that the result is at the end, when you gained income to your long term investment be glad and feel blessed BUT if your money wont back even your 50% investment still be thankful because you still have 50% money left at your wallet.