Our 401Ks are in fixed 4.3% for this year and generates 80K combined interest.We also have many years of living expenses in liquid savings just in case.Thank you for a different way to think about a downturn, WHEN it comes. Would love to hear how others are feeling/allocating/thinking.In the same boat and in the end I believe it depends on your timeframe for each investment.
Everyone saying that the markets turn quickly and can’t be timed is correct. I’m worried about a big downturn too. You could even talk to an accountant.

By the end of 2009 I had recouped and was up about 38%. Being so, for my measly 23 years of age I will be playing in the high and low tides that come with the financial markets for the foreseeable future (30+ years)Even so, at what net worth does it become best to diversify into asset classes like real estate or perhaps should this even be part of my portfolio construct from the get go. I’d like to use the next recession to buy low.Shorting stocks is extremely difficult. Because to me it’s mind boggling and nearly intractable.In the last downturn I was ok up to -30%. Also, you have to pay margin interest to your broker to maintain the short position, so your maximum return will begin to diminish over time when factoring in the interest you have been paying every month to your broker.I am in late 20’s and as each day goes by, become more aware and fearful of a downturn. Include your email address to get a message when this question is answered.Master of Business Administration, Texas A&M University-Commerce They don’t fluctuate in price that much, even during downturn, and give you a very handsome income.2008-2009 GW Bush and Obama pumped @$2 Trillion as TARP fund. Every day at wikiHow, we work hard to give you access to instructions and information that will help you live a better life, whether it's keeping you safer, healthier, or improving your well-being. Thoughts on this?I am sure I am not the first person to suggest this…in the last downturn my 401k really took a hit. When the market comes back as it always does, you got a lot of cheap shares and made a ton of money without any radical plays.That is the mantra. I don’t remember the specifics but I think it was something like $10k invested for every 1% decline.I think that the “downturns last 18 months” is a simplification people have made to help classify in their brains what is essentially a chaotic market behavior. Tax management about slowly selling and being aware of the income limit for the next marginal tax bracket is important.

I am undecided if I want to sell some of my stock, or none and just keep buying. being close to family is very underrated when you have a new baby.If you can go mortgage free, go for it. How is that?If you were to just live off the dividend yield of SPY, why not double or triple or quadruple the yield by writing covered calls against your stocks. (Actually some of her source material is excellent, but she does an excellent job.) I feel very bad for the older folks who were planning to retire before 2010 and did nothing.Older folks (or anyone looking to be drawing down on investments) should be keeping 2-3 years worth of living expenses in something liquid and stable, like you were talking about CD/Money Market/Bonds.The balance you are trying to time the market on, unfortunately that very rarely works out. That’s the whole point of high quality dividend stocks. If you go to the home page of FIREcalc you will see 3 portfolios one starting in 73 one in 74 and one in 75. They wanted their three years of indentured servitude in return for tuition assistance.Besides getting more formal education, you should put some time aside each week to exercise your creative mind. Do you?I am taking 25% out markets in areas that have done well.The student loan bubble is an interesting one.

So most investors will go with the 3% “safe” return. In order to earn some extra money in your spare time, consider tutoring or doing odd jobs, like painting or garden work.
Continue purchasing income-producing assets right now (bluechip dividend payers, contributions to less liquid investments via RE crowdsouce platforms, etc.) If you’re looking for ways to make money during a recession you could consider selling and renting things you own, as well as earning more money in the evenings and weekends to bolster your income.

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