Reader: You have been through the times when you got stocks w div yield of 10+ or even 20%.. Why are you still keen to pick up stocks at 3-5% now? Isn't it easier (and less work) to just wait out for the next crash to pick your durians again? It shouldn't be too long from now right...?

Now, this was a CRASH! Did anyone predict this? This is what insurance is for. It is for if a CRASH happens. Our war chest is an insurance!

AK: I cannot predict what will happen. ???? Some people have been waiting for years for a big crash. I will keep investing but keep a war chest ready. There will always be opportunities, bear market or not......