[quote=dreamer101,May 10 2009, 11:29 PM]

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MakNok,

It is STUPID for a person to be 100% invested in stock market. It is as simple as that.

Any normal and common financial planning will say

A) Have 3 to 6 months of emergency fund in bank / FD

B) Keep the money that you need within 5 years in fixed income aka bond.

Now, if a person follow rule (A) and (B), a person will NEVER lose everything with a stock market crashes. And, even if the stock market crashes, the person has 5 years to recover from that.

My favorite saying is INVESTMENT means that you can go to sleep and do nothing for 5 years and you will be fine. So, by definition, your investment needs to be able to survive a stock market crashes.

Dreamer

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How to invest in bonds? Aren't they for high net worth ppl?