There are many risks on internet, but if you have a good antivirus updated , you have reduced the risk of attack. But sometime is better to test if your antivirus program detecs viruses.
I found an interesting site that you can use to test run your antivirus / Antispyware program and check if you are really protected against these risks.
Antivirus researchers has created some test files that antivirus products "detect" as if it were a virus. On THE ANTI-VIRUS OR ANTI-MALWARE TEST FILE page , you have only to download one of the different test files and see what will happen.
If you antivirus program works in the right way, the antivirus will show a message about a virus found with EICAR as virus description.
Please note the Eicar disclaimer :
Important note: EICAR cannot be held responsible when these files or your AV scanner in combination with these files cause any damage to your computer. YOU DOWNLOAD THESE FILES AT YOUR OWN RISK. Download these files only if you are sufficiently secure in the usage of your AV scanner. EICAR cannot and will not provide any help to remove these files from your computer. Please contact the manufacturer/vendor of your AV scanner to seek such help.