Nobody can beat the market. That’s why index fund investing is the best way, I think, to be in the market. Right now though, with risk free CD earning 5.5%, you don’t even need to risk the market going into a recession. In my 20 years of investing, this time has been the easiest to decide to get out of the market. I have never been so sure of a recession. Even in 1999 I didn’t realize the stock market bubble bursting would cause a recession. Thanks god to blogs for educating me. However, whether to be invested in precious metals or euros, that is a question not even the pros are guaranteed to get right. If the dollar does indeed keep losing its value, then we will regret listening to the pros who told us to dollar cost average.