This is an opportunity to pick up some bargains. However, being a moderate investor doesn't mean you're off the hook. You'll still need to track the performance of your investments to achieve your desired rate of return. You're willing to take risks to achieve your goal. As an investor, you can't avoid risk entirely.
Every investment carries some level of risk.
Diversification helps you balance your tolerance for risk against the rate of return you want to obtain. Know your style and plan accordingly. These resources provide reliable, useful information on many aspects of investing and personal finance. Books The Coffeehouse Investor by Bill Schultheis . For those who think investing is a necessary evil.