How the stock investor should do when crisis

Most Investor worries to their money in stock. The market index trend is decreases in three years after the sub mortgage crisis. Some investor has decided to sell all the stock and buy other asset that can give some benefit. Buying hard asset also guarantee the value of money. For example, buying car can increase our asset and we can use the car. Even though, the car price will decrease but it is not much.
It is the right investor to sell all the stock that they have; however, they do not just follow all people that sell the stock. The investor need to analyze the company whether they can generate revenue or not.
Selling the stock may decrease the profit of your stock because the demand is so low and no one want to buy the stock. Unless you believe that the company cannot operate again, you can sell all the stock. It is better to suffer small loss than suffering big loss.
Moving from stock to other assets is good but you must be sure that you move to right step.
Some investor put the money at certified deposit or bank account. The bank will guarantee our money but we cannot get satisfy return on those investment. The certified deposit interest is only two percent.
Some investor tries precious metal such as, gold, silver, palladium, and platinum. This investment is also good too. However, silver price had decreased on May 5th. This is a sign that that the demand of the metal decreases. Some investor may sell the silver for their necessity.
Despite of decreases silver, the silver is stable. It will not fall to the deep valley as the stock. The gold may be a good alternative to save your money recently. The gold bar has increased to 27 % in past twelve month. I believe no one stock that will give return as high as gold. People believe gold will never fall.
Some investor may buy the property such as land. The land keeps the value of asset but we should pay the land tax. We can rent the land to the farmer or businessman. They may use the land for farm crop or business.
I think we can put our investment in stock just 10% of our asset if we are risk avoider. The risk lover can put 40 to 50% asset to the stock.

Risk that can harm retirement fund

Some people fail to get the retirement due it some factor or risk. The employee should notice that some risk that can derail the retirement and they have to prepare with it. There are some action that you can do:
Losing jobs
Due economy tight, the company cut some spending including employee. They need to cut the spending in order to survive.
Losing a job could be harm for some people. They cannot contribute to the retirement again. The retirement fund must find the jobs to overcome this situation.
They can open a business to overcome the uncertain economic.
Sick and illness
Sick people cannot work well; the income and revenue must be decrease. The company may fire the employee who often alpha due their sick. The company must replace sick man with new health employee. The company does not want to loss with the sick.
If the sick is worst such as cancer, the employee should spend more money. They may withdraw the retirement fund. To cure the cancer, they should remove it from the sick with surgeon. The cost of the surgeon is pricey.
An employee should keep health. Do not eat any food that harm to the health body. The employee should sport regularly. There are some cheap sport like running, walking, biking, and others. The sport may not avoid you from sick but it can reduce the sick risk.
The recession
The recession affect our saving and investment and also our retirement too. Most stock fell and most investor sell the stock. They use the money for other investment. There is few investment that can generate return like gold and other precious metal.  Some retirement fund asset may decrease due to its decrease assets.
In economy tight, the goods and service price is also increasing. The increases goods make us spend more money for the same quality and quantity of goods.
Natural Disasters
The Japanese quake and tsunami has crushed so many building, crop field, vehicle, boat, power plant, and so. The insurance cannot replace the loss because the loss is predicted 2 billion dollars.
It is important to save your asset in various things. You can buy the asset at other place.
Divorced
I hear that the divorced in West Country is pricey. I heard a basketball superstar has to share the assets with the ex wife.
In East country, the wife will not get the husband assets unless the husband permits him. It is illegal for wife to grab the former husband assets.
That is why some husband in West creates a pre-wedding contract that guarantee the assets.