Have you think another possibility?

Saving 6 month raining-day money in bank (this money every one should have) and one year budget in the CD just for emergency use. 

From the historical data (after 1980), two-years downmarket only happened once. Hopefully, with this CD and raining-day money, as well as a little cut of some expenses, you can get through dreadful period without taking out your investment from market. 

所有跟帖： 

• 是的，我bank裏始終是要有夠一年的開銷的。從來沒有100%到股市過。謝謝！ -littlegrace- ♀ (0 bytes) () 01/09/2018 postreply 13:33:30