You may consider investing in bonds and cash equivalents during a decline in economic activity. These will not lose value if the stock market crashes. You may also want to consider a fixed or fixed index annuity because they offer protection from market volatility while still providing the opportunity to earn interest.
What should I do with my retirement money in a recession?
Diversify Your Portfolio\n\n Having a diversified 401(k) of mutual funds that invest in stocks, bonds and even cash can help protect your retirement savings in the event of an economic downturn.
Where should I put my 401k money in a recession?
The 'safest' places to put your money are in low-risk investments and savings vehicles that provide guaranteed growth. These low-risk options include fixed annuities, CDs, Treasury securities, corporate bonds, savings accounts, and money market accounts.