<prompt> Human: My background: Im 32 year old, single guy. I just bought a house with 10 down and am making payments equal to about 15th of my monthly income salary only. I manage to save about 1-1.5k a month and Im actively trying to move that number closer to 2k. I contribute about 750 a month towards my parents expenses in my home country. I manage to retain about 6-7k in my savings account at all timesI dont anticipate having dependents any time soonCurrent investment Portfolio: More than 70 of my current investment is in my companys ESPP stocks that is doing decently well right now and the rest in stocks and 401k. My question: I see that the markets are on an upswing at the moment but my gut feeling says that the stock market may not be the best place to keep my money right now. What other forms of investment can I use that will keep my money safe? Im not looking for massive returns. Im looking more for an instrument that I can fall back on for a rainy day fund and survive even if I or the economy goes into hard times  <response>: Investments should be long term, think decades. When you think long term then the ups and downs of the market in any given moment dont matter as much. That being said, the one big red flag I see is that you have 70 of your retirement savings tied up in one stock. Thats how a bunch of Enron millionaires went broke. My suggestion would be to slow the ESPP, until you have a better balance, and put more towards your 401k in a low cost index fund. 