I expect that the bottom of this downturn will be way below the expected level of normalcy. Like everything in the world, from electronics to financial, when it goes up, it will always over shoot, and when it goes down, it always under shoot. The higher it overshoot going up, the lower it under shoot on the way down. There’s really no way to escape that phenomenon. As for the whole market tanking, I’m pretty sure there will be some sector that you can park your money. Even the last crash in 2000/2001, RE, oil, gold were great sectors to be in. I suspect there will be other sectors that will go up in this coming down turn. But if you truly believe that the whole market will tank and nothing will escape the down draft, then buy bear mutual funds like SRPSX or SRPIX. It would be alot better than parking your $ in cash.