I’m saying that when crises come up, the indexes should rebalance before those crises flush our savings, rather than 3 months later.
I don’t even know what that means. Market crashes don’t flush anyone’s savings. You only lose money if you start selling when they’re going down. You don’t. You just hold and wait untill it comes back up again. It has always came back up again no matter how deep it dips.
When you hear stories about people losing their savings during market crashes it’s either people who got nervous watching the value of their investments going down and they started selling at a loss or they were invested into individual companies that went bankrupt.