if you don't want to risk it, then don't risk it, put in on term...

if you don't want to risk it, then don't risk it, put in on term deposit

but if you do want to risk it, then risk it, and don't limit your upside

if you're into resources, buy something tiny, with great people, that is hunting elephants

if you're into technology, buy something tiny, with great people, that's wants to change to world

if you're into biotech, buy something tiny, with great people, that's wants to change to world too

and don't waste your time on any other sector, or trying to time ebbs and flows in blue-chip sentiment