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If you need it much, much later, or your life goals for retirement are many years away, you can be a little bit chancier.
Things this fall could get interesting; although President Bush is suffering from record low approval rates and Congress has overridden several of his recent vetoes, election dynamics are always subject to change, and an appropriations veto override could be chancier then than it might seem now.
For most short-term goals--such as saving up for a new car, living room furniture or a luxury vacation--it's fine to take chancier investments.
The more liberties people have, the more varied the choices and the chancier the environment.
Then, a university education almost guaranteed a successful career, while the current economic climate makes the post-college world much chancier.