Currently I am putting my savings away in passive index funds. Approximately my savings is in approximately 80% stock and 20% bonds. I am 24 years old and only have about $5,000 stashed away in this brokerage account. This account is not insured by the FDIC. I also have a significant amount of money saved in my retirement account that is affiliated with my employer? In truth, I am unsure that I am doing the right thing. I feel another crash looming and am worried about losing my money. What is the safest and most effective way of stashing away money in this jungle?