Thanks for your response @troilo. Yeah, it's good to be invested in some safe assets and some risky assets as well. There's a classic formula if you've ever taken a finance or investing class that Risk=Reward. In order to make big returns, you have to take a lot of risk. I don't think it's the right time at the moment to get into the market since I don't think we've seen the bottom yet (this is just my opinion and in no way financial advice) but one thing I like to do is go for dividend income in at least a portion of my investments. While the capital gains offer tax incentives, the only way you gain money is to reduce your position in an asset. I like to have some passive streams as well that pay me while I hold them. utilities and communications stocks are a relatively safe way to earn some dividend income (again, my opinion and not professional investment advice)