Many people would argue that your fourth criterion rules out all options. We're in historically unprecedented territory - there is no reasonable assurance of an

Many people would argue that your fourth criterion rules out all options. We're in historically unprecedented territory - there is no reasonable assurance of anything. The broad market is 30% off recently-set all-time highs. Whether it will go down a lot more or not is unknown. If the damage to the economy is sufficient it could take years to recoup a broad market investment made even at today's 30% off ATH level.