Smitty-48 wrote:I disregard doomsday scenarios, first of all, if you think that you are ever on the precipice of a doomsday, you're not going to invest in anything, to include even a house, but second of all, if it is a doomsday, the mere fact that you weren't holding anything in the equity markets and collecting dividends on, prior to, is not going to save you, so you didn't dodge anything, hence, might as well just get on with it, relaxed in the saddle as you go, once you buy property, in any form, you're in the mix, in for a penny, in for a pound, not diversifying into other forms of equity, once you've purchased any major asset, doesn't make you any safer in the end.
To wit, once you've bought a house, you might as well just put your big boy pants on and diversify then, equity markets included.
If interest rates go through the roof, you can cash out and put your money in a savings account, but unless and until they do, you're not making anything leaving your money in the bank, and since a doomsday would take the bank down too, it's not any safer in the bank, in the event of.
.... or you buy derivatives and short the market.