It's no surprise that public market investments (stocks, mutual funds, bonds, etc) are up and down. There is an alternative... some investment products have little or no correlation to the public stock markets... funds like farm land, small businesses and other time tested, real value investment products registered with the provincial Securities Commission. I can provide no obligation information (references, referrals) to licensed advisors and registered products matching your goals for a well diversified portfolio. I am not licensed to sell any products. I would love to hear from you!