That's still not a great deal for people looking to preserve capital and invest after a crash. It's very likely that the worst of the market declines will be w

That's still not a great deal for people looking to preserve capital and invest after a crash. It's very likely that the worst of the market declines will be within the next year. Markets are forward-looking, so once they realize that there will be long-term economic pain, they correct quickly. Oftentimes the steepest stock recovery is during the worst of the unemployment pain.