One should certainly tailor their investments to their own risk tolerance. But there are better investments even with very low risk levels. Money market, CDs, g

One should certainly tailor their investments to their own risk tolerance. But there are better investments even with very low risk levels. Money market, CDs, gov't bonds, and high-grade corporate bonds are all options that give better returns than savings accounts with minimal risk (well, before some gov't bonds were negative rate, anyway).