If I were to receive $2,000 to invest over a five year period, I would split it up between an emergency fund, bonds, stocks, and precious metals. $600 of this money would go directly into an emergency fund. Of the remaining $1,400 (for my portfolio), silver (and possibly gold) would make up 10%; it is always good to have some portion of your investments in tangible items. Stocks would make up another 60%, and bonds would cover the remaining 30%. Although I do not have details or company/corporation specific information, I can tell a risky deal from a dangerous one; I know how to be (nearly) sure that I will not lose all my money.Stocks are used to expand ones portfolio. Bonds, being less risky typically, (though not always) are more a source of income than anything else. When investing in stocks (or even possibly bonds), I would more likely than not use a dollar cost averaging technique, so as to lessen the risk of investing it all at once. Also, within my bonds and stocks categories, I would be sure to diversify. (Not put all of my eggs into one basket!) This will also lessen the risk of losing all my money in one downfall. Although I seem to be doing everything I can to avoid risk, one must also keep in mind that great return does not come without great risk, and to win big you need to play big. Do not make decisions stupidly, but boldly, and with great knowledge and understanding.