Adjust your Investment portfolio

But you have to take a first step. Then, over time, you can
learn to adjust your portfolio, not only to take on more risk, but
also to respond to changes in the market environment.
If you are very conservative, with most of your money in
Treasury securities and money-market funds, your first move is
to shift money into investment-grade corporate bonds, which
have higher yields than Treasury securities and money-market
funds. Then you could shift some of your money into stocks, knowing
that you intend to keep it there for the long term, at least
10 years.