re: If you had a million dollars to invest

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cant afford to lose huh. well not stocks

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I usually don't correct people on TD about money, but let's take you to school.

You look back at the history of the overall US stock market and negative returns, over long periods of time, are extremely hard to find.

Over all historical rolling 10 year periods ('89-99, '05-'15, etc...), the market is positive ~95% of the time. Over rolling 5 year periods the market is positive ~89% of the time. Even rolling quarterly returns are positive ~68% of the time.

You just don't know how to invest your money with discipline.