 you have to understand that losses hurt you more than gains help you. With that being said, here are five things that you may consider. First of all, there's something called a black swan fund. Now, I'm going to tell you, that's betting against the market, and I do not use that very often, if ever at all, for many clients. I would stay away from that one. If you're going to try to do this on your own, I'm using air quotes here. First of all, don't do that. Give our office a call, 270-600-PLAN. We'll sit down with you and show you what of these you would be able to use, but...