But investors with a greater risk appetite or a longer runway to retirement can consider stocks.
CNBC Pro asked the experts what stocks they would buy that are suited to long-term investing for retirement purposes.
Dziubinski named three stocks which she says look undervalued but will make "great long-term investments" at current prices.
Starbucks Dziubinski says Starbucks ' brand and pricing power have earned it a wide economic moat rating, which according to the firm refers to a company's durable competitive advantage.
Wheaton Precious Metals Regal Point Capital's Marolia named Wheaton Precious Metals as a stock with long-term potential.
Persons:
Susan Dziubinski, Dziubinski, Vijay Marolia, Morningstar, Marolia, it's, Wheaton, we've, we're
Organizations:
Morningstar, CNBC Pro, Regal Point, Consumer, Johnson, Brands, Nike Nike, Nike, Wheaton Precious, Wheaton Precious Metals, Blackstone Group