At 5% for the last 2 years, at best you were treading water in a sea of inflation. Hopefully you diversified and had some money in stocks.
Wall Street is starting to turn bullish on a Trump win in November. Not saying you should necessarily be getting into the stock market right now because you may have missed the most recent surge. But I don't believe in timing. There is no reason why you can't start on a regular investment in stocks by spreading it out over time so you average into the market. Stocks are a longer-term play but a critical part of any portfolio. If you can take the ups and downs and have enough time to wait, as long as America retains its leadership position in the world and does not kowtow to its adversaries you cannot lose.