Some people say that investing in the stock market is risky. Some people say that leaving money in savings accounts is risky. So, if we put half of our money in the stock market and leave half of our money in savings accounts, we are doubling our risk exposure. No? Oh dear. This is what I have been doing. I am in trouble, I think. If you feel that this blog post is beginning to feel somewhat surreal and totally not in AK71's style, you are not alone. I feel the same way too. From time to time, I receive emails from readers and, from time to time, there would be a reader who says he has $5,000 or less to invest with. The question is usually what should he invest in? Personally, I feel that the pertinent question is if he should be investing at all? Well, if I had ......