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Why do you need money? Thinking about this question will help you to understand your goals and aspirations.
Find a certified, registered financial advisor who can help you think about how to make a financial plan. A plan involves a list of all your monthly expenses and your long term goals.
Making money in long term requires patience but making money in short term requires expertise.
If you have time on your side, then don't worry about risk and erosion of capital. You will be able reap the benefits of markets and compounding over the long term.
If you don't feel comfortable with company funds, you can invest in index funds to meet your long term goals. Don't focus on market cycles but let it play out.
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