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Message: [QUOTE="HuskyHawk, post: 3972928, member: 1414"] There's no real inflation adjusted safety, and you run the risk of missing the start of the next bull if you just play safe. For me it's just a rebalancing exercise. I bought a TIPs ETF (not TIPS, the Schwab one has lower expenses), and some other things. I was overweighted in things I think have too much likelihood to go down in the near term. If you are truly going to just hold, buy SPY and make it the basis of a portfolio. It's a pretty foolproof long term solution honestly. You will miss some massive individual stock gains, and you will miss huge collapses in individual stocks. From there you can dial in risk with specific stocks or small caps, QQQ, IWF things like that. Or dial it down with short term bond funds, dividend and income ETFs. All I did was dial down. I'm still riskier than SPY on the whole. [/QUOTE]