Investing money is such a personal decision. We see too many people that really don't understand what their money is invested in and the risk associated with their investments.
The world has become a complicated, dynamic place and volatile fluctuations in the stock market are now commonplace. Thankfully, investment products have also changed with innovations to limit your downside investment risk.
The investment process should begin by discussing your goals as well as your risk tolerance with an Advisor. Ultimately, it's up to the individual investor how aggressive or conservative they are going to be, but they need to understand their investments. There are many options to meet your goals.