Terry Hamilton has just received $$22,000$ from an uncle who died and is trying to decide how to invest it$.$ She has done some research and has decided that about $30\%$ of the money should go into large cap stocks, $20\%$ into medium cap stocks, $15\%$ into small cap stocks, $10\%$ into bonds, $10\%$ into foreign stock, and $15\%$ into cash. She thinks that even if one area does not do that well, the rest will so that her overall return will be pretty good. What aspect of investing is Terry most concerned about?