The lottery commissions use the slogan "Bet with your head, not over it" Same thing is true in investing. There are lots of companies to invest in. Pick some good ones and go for it. And if you follow the 90 / 10 rule you can find something a little riskier and try it. Also, put bottoms on your stocks. let's say 10%. When the stock falls to that level it sells. That protects your downside and let's you live to fight another day. And as the stock increases in value, you move that downside up. Finally, invest, don't speculate. Don't get into options or day trading. That isn't investing. That is betting large and we know who wins in betting, the house. Do these things and follow what this article says and you will do well. Especially when the other option is to get.1% in a bank.