Current market indicators show the S&P 500 hovering near 5,050, with volatility creeping higher due to geopolitical tensions. From an investing risk perspective, tech stocks remain attractive for growth, yet high P/E ratios could signal overvaluation, especially in AI-related sectors. Read more: 30% of US drivers switched car insurance in the last five years. Here's how much they saved — and how you can cut your own bills ASAP Risk: If you keep Treasurys until they mature, you generally won’t lose any money, unless you buy a negative-yielding bond. If you sell them sooner than maturity, you could lose some of your principal, since the value will fluctuate as interest rates rise and fall. Rising interest rates make the value of existing bonds fall, and vice versa. Shorter-term Treasurys are a better bet if you think rates will rise in the near term. Bond yields at 4.3% are drawing some capital away from equities, increasing liquidity risk in growth-heavy portfolios. Investing risk management now requires balancing equity exposure with fixed-income hedges.