If you don't need your money for 10 years, keep it in stocks. If you need it in five, put most in bonds and CDs. If you need it in five to 10 years, divide it. After all, though the economy is slowing, it's hardly a disaster. Interest rates are low.
Inflation is low.
Unemployment is low. The government is running an enormous surplus. We're at peace. Productivity keeps rising. Astonishing new technologies are arriving all the time.