Preparing for the Coming Collapse: how to invest your hard earned money so it will be best protected

My investment advice for those who ask “what should I do now, knowing the economy is going over a cliff in the near future?” – outlined below is what I feel is the safest bet for all. It’s extremely high level and given the nuances involved, feel free to comment below or PM me for specifics. Of course, depending on your personal risk tolerance(s), you of course may choose different percentages than those outlined below…

1) up to 50% of your cash reserves (including retirement planning): put it in whole life insurance (specifically *cash-rich policies* that stretch the cash value as high as possible legally without MEC’ing) using a mutual life insurance company like Northwestern Mutual. If you are not in good health or over 45 years old, then you do NOT want to take out policies on yourself; you want to take them out on individuals with high life expectancies and non smokers. Also to be clear, this is NOT technically an investment but is a wealth preservation tactic that more than keeps pace with inflation and more so is a hedge against the coming recession. It’s then also possible to practice IBC if you wanted to later—major perk! NB: this fund will be denominated in dollars though so all gains/principal subject to inflation (which will be a MAJOR issue in the next 5-10 years once the fed begins to monetize the debt). So to counter this see next 2 steps…

2) move to international funds. 20-30%. get out of US equities. Completely. This means no small, mid, or large cap US funds or any major American companies unless you are open to speculation and only if they have large dividends. But my advice is to exit the market completely or at least more than 75%+ and put reallocation into funds that are not subject to the risk of the USA market collapse. Meaning international funds are actually safer (contrary to popular opinion/belief) than USA markets. If you don’t agree with that approach then at least put $$ in international bond funds (eg EPIBX). Other good international mutual funds include EPASX, EPDPX, and EPIVX

3) remaining assets: precious metals. 20-30% – buy physical gold. Store it yourself or with a holding company; I personally use the Perth Mint in Australia and once you have your money in there it’s remarkably easy to use. Where and when possible (re)allocate your mutual funds so you don’t have to take a hit (vs pulling out of a 401k for example) and allow for gold and silver etfs (this is often allowed with certain mixed fund allocations). If not permitted then stick to strategy in #2 for your 401k and also invest “on the side” in physical gold and silver (40% of the total allocation) and a 60% mix of gold/silver etfs and gold mining companies. Reason: when the dollar collapses and/or becomes subject to hyper inflation commodities and precious metals will skyrocket and be worth significantly more—yes I know some will say historically they have under performed; well we are going into a recession of historical proportions.

4) 5-20+% (based on time to retirement and risk tolerance): Speculation. Feel free to speculate and gamble on USA funds or US mutual funds if you want (“roll the dice” at the wall street casino). But this should be a minority of your money not with retirement funds. I personally choose to speculate (as I’m still a fair ways away from retirement) at a percentage closer to 20% but that’s just me. I also don’t speculate on US markets at all but bet against them by shorting. But that’s just me and it’s not really part of my retirement planning…

As a sidenote, the book “the Dow of Capital” is terrific (well specifically chapters 9 and 10) for laying out a very specific path for “Austrian Investing” which allows for strategies like “tail hedging” using short term puts with 0.5% of your portfolio while riding the wave of the crest with some or or the rest of your portfolio. This is a far more dangerous, but more lucrative, method for profiting on the coming collapse without having to worry about the specifics of “timing the market” as it were.

Oh, lastly: the other thing you may do in periods of uncertainly is invest using a partial side fund in “recession proof” stocks like those below. I personally am choosing to wait until AFTER the market collapses to do this, but a prudent investor may demonstrate the downside to waiting may outweigh the risks. That said, while this strategy may allow for less of a blow in the coming collapse, it will not completely insulate you. https://www.simplysafedividends.com/intelligent-income/posts/939-20-best-recession-proof-dividend-stocks

NB: read the articles penned by me—posted prior to this one—which cover how to best short the market for maximum profit AND why the economy is currently poised for disaster.


3 Best Ways to Short the Market

Here are the three best ways to short the market… Keeping Your Options Open Now, what do we talk about when we talk about short-selling? In its simplest form, shorting means borrowing shares from your broker, selling them immediately, and them buying them back (closing) at a cheaper price. You keep the difference. This process […]


Sean Dempsey’s Financial Plan

Foreword Nothing in this article is unique. Literally nothing. I am heavily borrowing (with full credit where it is most due) from the technical and monetarist gurus whom have most influenced my life from a financial standpoint. To download this article as a PDF – click here. Dave Ramsey—who doles out solid financial advice “your […]


Primer: The Differences Between Democrats and Republicans

DEFINITIONS Democrats: A left-leaning political party full of bleeding-heart pansies who are all high on the devil’s lettuce. Republicans: A right-leaning political party packed with rednecks who love guns and God, in that order. ORIGINS Democrats: The Democratic party was founded as the dying wish of Karl Marx in 1883, who wanted to infiltrate the […]


The Coming Crash is Unlike any Other in USA History (a Perfect Storm)

History doesn’t repeat itself but it often rhymes.” – Mark Twain Financially speaking, we are being told that things in the USA are good. Really good! Turn on CNBC or any news channel and the stock market is surging; the economy is “bouncing back.” The Fed is raising rates because future economic outlook “is bright.” […]


You Might Be A Statist IF…

You might be a statist if… If any political discussion finds you regularly using the expression “it’s clear the government isn’t doing enough to ” … you might be a statist. If you’re left-leaning and see “the evil Right” as the cause of all major problems…you might be a statist. If you think the war […]


Refusing to Stand for the National Anthem: Top 3 Pros and Cons

Taken from this article: https://www.procon.org/headline.php?headlineID=005323 San Francisco 49ers quarterback Colin Kaepernick first refused to stand during “The Star-Spangled Banner” on Aug. 26, 2016 to protest racial injustice and police brutality in the United States. Since that time, many other professional football players, [7] high school athletes, and [8] professional athletes in other sports [9] have refused to stand for the national […]


Trump-Russia Timeline (by Brendan D)

I would here like to counter the “witch-hunt” narrative and attempt to present, in a more orderly and comprehensive fashion than ad hoc conversation would allow, the facts which should provide the basis for any conversation on this topic. I submit the following timeline. In it, I have tried to compile a good amount of […]


Political Memes are SO Stupid!!

What are memes? Urban Dictionary calls them “Popular quotes, images, and real people, which are copied, imitated, and spread all over the Internet(s)!” Interestingly enough, it neglects to mention that those quotes are generally made up, in order to emphasize a humorous or political point that contrasts with or embellishes the image they’re blazoned across. […]


Government and the Environment: a Role to Play?

In response to the anarachist or anarcho-capitalist argument that the government must take no role in environmental protectionism or defense of nature–that the free market will do it for us. And to attempt so is amoral if/when no property rights are infringed upon. So fundamentally here is a logical concern I have with the “anarchist […]