I recall moving some funds awhile back to a safer place but couldn't remember exactly when until I read an old post. It was way back in October of 2006 that I saw the beginnings of the current mess we're experiencing. The easy way to do this is to check the financial gurus and look at a general consensus of what they think. You'll always have those guys that are touting that things are great and you should buy buy buy. General consensus says otherwise. This is going to be a down economy for a year to 18 months. That is because we went to high to fast and the debt that's been racked up is still not been addressed. You may or may not know that not one nickel of that $700 billion has been spent. It's only promised with no real plan in place for it's implementation.
That promise of big bucks was enough to make the markets rise enough so that those who were stuck with shorts could dump them before the toilet flushed and they'd be stuck with worthless paper. It worked and while the MSM gurus were telling everybody to hang on and wait out the storm, the guys with the shorts were making a killing. An estimated $2 trillion dollars was sucked out of the market and retirement savings when this happened. Sadly there will be more foreclosures, lay offs, and market losses in the coming year. Then there'll be the issue of inflation but I won't go there just yet.