Hi Britt, that's an excellent question. The answer truly depends on what your goals are for the investment but I always like to lean on billionaire Warren Buffet's rules for investing: 1) Never Lose Any Money, 2) Refer to Rule #1; That's paraphrased but that's a good paradigm to follow. However, it also depends on your risk tolerance as well. At the end of the day, if you're earning a rate of return (guaranteed is even better) that will outpace inflation, and meet your end goals while taxation has been taken into account along with fees & charges, then you're in the right place. For example, if your money simply sits in a savings account in the bank, right now you're probably earning a minimal .17% - not only does that not beat the inflation rate of around 2.5% or 3% but you'll also pay taxes on that money at the end of every year. What are you thinking of doing or investing in? We can drill down on your expectations and goals and go from there. Sound good?