Be you in any of the category above what's mostly important is that irrespective of where you find yourself let it be that you're getting a returns at the end of your investment. It doesn't have to be in a large amount in returns whether as an investor you meets your target or not, a loss is what's worst in a bid to invest our money against the bite of inflation.
And we shouldn't be stupid also to place an unrealistic investment target for ourself when our knowledge is limited in meeting such target as there are certain risks that are beyond our horizon of investment target.