Dob't take any of my advice but IMO, Bonds are going to be only real reliably consistent route currently. I've lost about $2k a day on average in stock investments the past 4 weeks. I'm 41 so not too worried about it. Matter of fact, yesterday was single biggest loss for S&P in history. I upped my contribution. Trying to buy low. It's going to fall more but I'm averaging down over next 12-18 months.