Comment: Harry

I suggest you reread John's article. 

"I believe the secret to building wealth is to learn to live with these inevitable setbacks, not to try to avoid them. Let’s say you’re convinced a market drop is coming. How will you know when it’s time to sell? What will you sell, and how much? What if you sell too early, or too late? And if you do sell, how will you know when it’s safe to get back in? I have never known anyone who can do these things reliably. Market timing is frowned up for a good reason: It rarely works."

John is trying to say that 'the sky' isn't falling, and even if it were you couldn't predict it anyway, so don't even try.