Investment Advice for Average Individuals - The industry suggests individuals maintain cash reserves equivalent to 2-4 months of expenses for safety [1] - The industry recommends investing in fixed income markets (bond markets) and equities [2] - The industry advises investing in an S&P 500 fund for equities [2] - The industry suggests considering the Bloomberg aggregate (formerly Leman aggregate and Barclay's aggregate) for bond investments [2]