{ "media_type": "text", "post_content": "Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? ", "post_id": "6102be84aa1245001f884b8a", "reply_count": 13, "vote_count": 1, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? 

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You stay invested until it comes back. This is all calculated in the study that came up with the 4% rule. If you have a good nest egg and stick to the plan then don’t worry about it. Even in the most catastrophic 30 year periods in history, you would not run out of money.

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Bonds , gold, cash

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No, another Great Depression would not occur at the same time as inflation. The Great Depression was a deflationary environment (as was the Great Recession and would have been much more deflationary absent government intervention). Assets always rebound so it’s always a sequence of returns risk. Having a few years expenses in cash when ready to retire can help smooth it.

likesmart

This is why you balance w/ bonds as they are inversely correlated

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Exactly

To answer your question OP, which bonds: BND, BLV, BNDW, BNDX All of these are bond ETFs.

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Thank you.

Cash money 🤑🤑🤑

That is why it isn’t easy. Looks easy on a long-term chart. Living it is different and there is not always, or may not be, massive gov support to keep the train going, although there likely will be.

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