Investing can feel daunting for newbies. About 21% of surveyed Americans say stocks aren't their preferred way to invest because the stock market is too intimidating, according to a Bankrate poll in January. That fear skewed higher for younger people, to 29% of Gen Z members and 24% of millennials, it found. Putting all your money in cash or bonds may feel safe, because it seems like there's little scope for financial loss — but this is misguided, according to financial advisors. "When you're