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CNN Money reports more Americans currently own cats than stocks. These days, only fourteen percent of the population has their money invested in the stock market, and if history is any indication of what the stock market has to offer, then it would make sense for investors to be cautious. Even when the market may be sizzling hot, the 2008 stock market crash proved there is always a chance the investment portfolios people have worked so hard to build can all come crumbling down with mind-blowing speed.