I think you're being a bit harsh here (although OP's phrasing is a bit crass)- it's reasonable to want to hedge yourself against a downturn. I'm not actively s

I think you're being a bit harsh here (although OP's phrasing is a bit crass)- it's reasonable to want to hedge yourself against a downturn. I'm not actively seeking to make money off a downturn aside from contributing to my 401k, which invests in a diversified mutual fund (I can't invest more actively for regulatory reasons). My main goal if that happens is to keep my job.