is a fool's game. The main gains and losses in the market occur in something like five or seven days of the year. A remarkably short time.
Invest in a diversified portfolio. Either do research on your own or, after talking to several or many people, find a manager you can trust. Don't sell in a panic when the market drops. If anything, buy more if you have the cash.
I'm speaking as someone who has been in the market for about 45 years now. I've weathered lots of ups and downs and essentially have more money than ever. I've taken money out of my account to open a business that failed. Darn. I took money out for a down payment on my current house. Good. I happen to have an excellent financial advisor whom I trust very much. He's honest to a fault. I am far away from his most lucrative client and he's always available to me.
I will add this. Several years ago he got me to put part of my money into two annuities. I know that annuities have (an undeserved) bad name here, and I don't understand why. I started taking income from those annuities about a year and a half ago. I got a monthly payment from each, and if I die and the value of the annuity is still positive, my heir gets that money. It might be nice to live long enough that the value is negative, meaning they are paying me money I didn't give them, but I won't fret that. I have a guaranteed income for life and possible inheritance to my survivors.
There are lots and lots of ways to invest your money. Please do a lot of reading on this topic. But I will point out, as others have already, that CDs or bonds right now are no better than stuffing cash under your mattress. Do keep in mind that stocks have, with almost no exceptions, been a much better investment than bonds or CDs. By a lot. Again, diversification is crucial.
And sincere good luck to you. 
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