There are a lot of savings rate over 4%, such as countrywide, Zion。 As long as you keep your balance below 100K, the FDIC limit, you should be fine when these banks go bankrupt.

Here is a good list: http://www.fatwallet.com/t/52/437553/

if the 6 stocks are in different industries, then 6 is almost higly diversified. Forexample, some are risky and high growth, some are stable companies.

In bear market, do not hold a falling stock. In bull market, you should hold for a long time.