Do you have the guts to invest? You will experience some very volatile markets. Last December the markets dropped by 15-20% before moving back up in January and February. This volatility is expected. If you invest in equities, you’ll experience large swings.
It’s not an if, but a when. You will lose money investing in the stock market. There will be years when equities are down by 40%. You have to be able to stomach this.
Now, of course, you can mitigate some of these risks by diversifying your portfolio into bonds, but that’s not the point here. The point is that stock markets are volatile markets, and regardless of your feelings, they’ll move up and down a lot.