Do you know the 1/2 rule ?
It is a scentific fact :
Some economists have concluded that investors typically consider the loss of $1 dollar twice as painful as the pleasure received from a $1 gain.
This is a really SIMPLE concept, but it is true.
And this is more and more important if you make an investment of your savings and if you worked a lot and made many sacrifices to have them.
For this reason you have to invest your money only in funds where the risk is at the minimum possible.