Okay, heres the drill, invest 50% of your money in good stock, and 50% of your money in FDs. By good, i mean fundamentally strong stock, not speculative stock. A return of 30% per annum is good enough. Don't invest now, invest after the US elections. The reason for investing 50% in FD is simple. In the event of a market crash you still have money to buy stock at rock bottom prices. Dont get greedy and you will be okay. All the best!