-1. A Financial Adviser

If like a lot of people, you are reluctant to haul off a chunk of your savings and just invest, you might want to consult an actual human financial adviser. Investing with a trusted adviser makes the finding of such an adviser itself a good investment, as you will likely benefit from having an expert who can help you keep track of how your investments are doing, and whether or not they are the best for your needs, expectations or concerns.

Look for an adviser who is a fiduciary, that is, someone who works for your benefit, and doesn’t work on commission.