Your Thoughts - 401k to Money Market. (401k is currently stagnant deposit wise)

If you expect a repeat of 08, move into the lowest-risk bond/cash fund available in the program.

If you expect something worse than 08 but FDIC holds, cash out, take the hit, and put it into CDs (spreading it around to keep it below the FDIC maximum, if necessary).

If you expect something worse than 08, w/ FDIC failure, cash out, take the hit, hoard physical cash.

If you expect something worse than 08, w/ FDIC failure, and currency collapse, cash out, take the hit, hoard physical gold.

...If it were me, I'd take Option #1 RIGHT NOW, and keep my finger on the trigger for further action, if needed.
 
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