<prompt> Human: My situation...Mid 20s. Income of around 100,000. No student loans. Car is new and paid off. Rent my apartment 850mo.. Roth IRA and employer 401k maxed out every year. 5,500 and 18,500 respectively.Ive got around 80,000 sitting in liquid funds at the moment, the majority of which is in a high yield savings account doing 1.55. I have no plans to buy an property or other large purchases for at least the next five years. Ive thought about keeping around 25-30,000 around as an emergency fund and dumping the rest into a SP 500 Index fund or something. My concern is where the US market is right now means that is almost a sure fire way to lose money over the next three to four years. Ive heard the advice multiple times not to try and out-smart the market, is this extreme paranoia and I should just invest anyway? Do you think I am in a better position for a CD, seeing as one year long CDs are paying out around 2.5 now? At the risk of this becoming word vomit, I suppose I am also just nervous investing the majority of money that I have into what could be the tail end of a bull market.Anyall thoughts and input are appreciated.  <response>: Youre in your mid 20s with a very high income. Take some risk and invest. 