You also need to couple this approach with a “target date” style strategy. If you’re 100% in stocks and getting ready to retire when a crash comes, you’re screw

You also need to couple this approach with a “target date” style strategy. If you’re 100% in stocks and getting ready to retire when a crash comes, you’re screwed. Have fun working at Walmart the rest of your life. You need to rebalance between risky investments and “safe” ones, with the percentage of safe ones going up as you age. This does two things: 1) allows you to keep your gains safe in a crash, and 2) give you a reserve you can use to buy back into stock “cheap” after the crash.