<prompt> Human: I havent been investing money for too long now, but Im still young and have quite some time before retirement.Ive been told by several self-directed investors that it is not a good idea to invest in equities now since markets are at all-time highs and we are due for a major market crash.I take things with a grain of salt but believe this to be true to some extent, so Im currently being very conservative with my investments. As my portfolio currently stands, about 6 is in a Traditional IRA backed by a Target Retirement Fund, 6 in a Roth IRA backed by a money market fund, 10 in precious metals, and 2 in individual stocks. The rest is in a savings account, which I definitely know is the worst place if you are looking for ROI and to beat inflation, but as I said Ive been considerably conservative with my money for now.My question is, what are some good places to invest money now so that I dont have a large percentage just laying around, but not so aggressive in anticipation of a crash or, as crazy as it sounds, even potential hyperinflation.  <response>: Ive been told by several self-directed investors that it is not a good idea to invest in equities now since markets are at all-time highs and we are due for a major market crash.And those self directed investors are just as clueless as anyone else. The human that can predict a market has not been born yet. People have been claiming a crash is coming for the past 5 years. You can check the 5 year SP chart to see how well their predictions of a crash turned outInvest in large, broad based mutual fund, regularly over time, and forget everything else. The rest is in a savings accountThis is why I tell people not to try and time things or listen to doomsday scenarios. Basically, you just gave up massive returns on that money by letting it sit in a savings account rotting away. You creates you own personal crash. Or put it this way, if you had invested that money over the past 5 years, even IF there was a crash tomorrow you would still almost certainly have more money than what is sitting in that savings account earning nothing. My question is, what are some good places to invest money nowTarget date retirement fund for the year closest to when you turn 65. Fire and forget. Your paranoia makes it WAY to dangerous and costly for you to try and actively manage any of your investments 