The key is to keep a THROUGHOUT perspective and not get carried away by market fluctuations. Risk has always been there, what's the fear… Adrenaline keeps us alive.
Having a lot of money does not guarantee happiness, perhaps as you conceive it. True satisfaction comes from meaningful relationships, valuable experiences and purpose in life. Material wealth may provide comfort and security, but it cannot buy inner peace or lasting happiness, but it can buy false friends and self-interested loves. The pursuit of happiness is found in intangible aspects of life, such as love, friendship and personal fulfilment, which do not depend on a bank account balance.