If you are feeling nervous about a possible drop in your portfolio's value, perhaps your current asset allocation may not be well-suited to your temperament: be

If you are feeling nervous about a possible drop in your portfolio's value, perhaps your current asset allocation may not be well-suited to your temperament: being able to sleep at night has a value just like stock market returns do. Consider liquidating some of your equities and moving to a higher percentage in bonds/fixed income: * https://awealthofcommonsense.com/2020/08/why-would-anyone-own-bonds-right-now/ https://awealthofcommonsense.com/2020/08/why-would-anyone-ow... If 100% stock, or even 80/20, is too much, then perhaps 70/30 or 60/40 may be better. Further, should a crash occur, you can use your bonds to rebalance. So if you have a 60/40 and equities go down (which generally also means bonds go up), you can cash out some bonds (sell high) to get more equities (buy low) to get back to the desired 60/40: > Bonds can be used to rebalance. When the stock market sells off that’s the time you want to dive in and buy with both hands. The only problem is you need capital to buy. That could come from new savings out of your paycheck or a cash hoard or the bond portion of your portfolio. Doing this during the S&P 500's so-called 'Lost Decade' from 2000 to 2009 would have given you much better returns than 100% equities: * https://www.forbes.com/sites/investor/2010/12/17/the-lost-decade-was-a-golden-age-if-you-rebalanced/ https://www.forbes.com/sites/investor/2010/12/17/the-lost-de...