Depends on your risk tolerance and level of management. The easiest option is to exit the stock market entirely. Just hold cash. Spread it across multiple bank

Depends on your risk tolerance and level of management. The easiest option is to exit the stock market entirely. Just hold cash. Spread it across multiple banks and accounts. Next easiest option is to change your stock/bond ratio. Make sure the bond ETF you use is diversified. Next easiest option is to keep a static portfolio but put more than a stock ETF and a bond ETF in it. There's a nice set of "lazy" portfolios here [0]. Next easiest option is to build a static portfolio for a particular level of risk. There's a handy tool here [1] that can spit out the optimal balance given a goal and a set of assets to choose from (I'd choose a selection of ETFs). If you're risk-averse, your goal is probably to minimize variance. Next easiest option is to switch to a dynamically-weighted portfolio that changes the balance of assets in your portfolio based on market conditions. This can be the same as the previous option but you'd recalculate the portfolio month-to-month. And finally, there's playing with derivatives. You can "insure" whatever portfolio you like using options and/or futures. I would strongly advise against anything "crypto". Either the financial system is still functioning and you'll benefit from regulated financial markets, or it isn't, and your cryptocoins will be useless, because they're difficult enough to use today, why would it be any easier when the world is crumbling? And this all assumes the US financial system is still functional. If that's not the case, I'd focus less on finance and more on doomsday prepping. [0]: https://www.bogleheads.org/wiki/Lazy_portfolios https://www.bogleheads.org/wiki/Lazy_portfolios [1]: https://www.portfoliovisualizer.com/optimize-portfolio https://www.portfoliovisualizer.com/optimize-portfolio