By balancing the amount of money you spend in 3-5 years, you will not have to sell your investments at a loss. Remember, long-term investments will fluctuate. If possible, do not be too concerned about your investments, so this will help you minimize the worry about these investments. Investment is a long-term activity, not a sporting event with minute-by-minute adjustments. Be cautious with any short-term investment strategy. To invest successfully, the first thing you need to learn is patience.