Falling Knife Well if you are a tool like me you probably have a retirement account. If you are like me hopefully you trade your stock funds for bonds or cash funds some time around September or October. Because historically October and November are the worst preforming months for stocks and those 2 months are when almost all of the big stock market crashes originate. The problem with the stock market and stabile growth stuff is it just doesn't make that much money even when it does what it's supposed to. What you need to make money is volatility, chaos and panic. The stock market is in full melt down, but as I do every year, like a call to mecca, I moved my money into bond funds. Did so in September. I have been fearing a stock market crash since this summer, figured it would either happen this fall or next year. This is probably going to a long deep dive, the dow probably won't level off till 18,000 to 20,000. If you haven't sold out your stock funds you probably should I bet there is still a ways to go. Now the next event in stock market performance is January. Historically it is the best preforming month. It could turn around some time in January, but if it doesn't, then you enter February, which is the 3rd worst preforming month so if January falls through or kind of levels of you can bet it will drop right through February. I expect this crash to take 4 or 5 years to recover from. Do you want to bump your retirement out 4 or 5 more years? Ain't no body got time for that.