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. My money says that 10 years from now, stocks will have long since recovered from this bear market - and gone on to set a string of records.