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Hi Diego,
This phrase would be stronger if you added a conjunctive adverb, like this:
I do not have large sums to invest and I am afraid of losing my savings. Therefore, I think it is a good idea to ….
I suggest:
According to an article I read a few days ago, you should avoid high-risk investments only if you think you’ll need ACCESS TO your money at any time.
Watch out! Money is uncountable >
> If, on the other hand, you want to set them aside for many years … ❌
> If, on the other hand, you want to set IT aside for many years … ✅
Nicely done!