What period of time? 5 years? 10 years? 20? 50? Long-term investment accepts that downturns happen. The worst thing you can do in that situation is divest when

What period of time? 5 years? 10 years? 20? 50? Long-term investment accepts that downturns happen. The worst thing you can do in that situation is divest when prices are low, since historically the stock market has always recovered and continued growth. If growth were to stop entirely, then sure, you'd have to rethink your strategy, but it's incredibly unlikely and simply not relevant. You could, for example, invest in a global index fund. Or, worst-case, keep working for longer than you expected.