How much background do you have regarding investing? I am not an investor (besides retirement) although I am working on developing some sound knowledge to become one. I suggest if you want to avoid risk, similar to me, then do whatever is necessary to educate yourself on investing opportunities.
I have completed some simple tasks that the board has suggested, such as invest to the company match in a 401K and develop an emergency fund. I have yet to start a Roth IRA
, that is next on my checklist.
I am tempted to dump the majority of the money I plan on using for investing opportunities into CDs. This will at least improve my interest rates on my money over what savings provides, while I tinker around (procrastinate) with what gives me the most confidence to start out in.