"risk" means different things to different people. I'd say it might be that investing in "safe" assets is risky for you, because over the 10s of years you are i

"risk" means different things to different people. I'd say it might be that investing in "safe" assets is risky for you, because over the 10s of years you are investing in, they just won't make you money. Investing in stocks might lose you 30% one year or another, but will likely make you good money over the long run. Look for as much diversification as you can, avoid single stocks, single sectors or single countries / regions. Eg don't invest in EUR stocks just because you earn in Euros, for example. Keep enough cash for emergencies though in bank account or liquid safe assets / savings accounts. IANA Financial Advisor