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There's an advisory service I subscribe to, titled Dow Theory Letters, and published by Richard Russell since 1958. Mr. Russell is in his 80's and remembers the 1929 depression.

His advice: get out of stocks. Go into cash (FDIC insured CDs, for example) and gold.

Other sources seem to point in a similar direction.

My thinking: Just get out of stocks. The yields are pathetic, but right now one should worry more about the return of one's money than the return on one's money.

I would keep funding IRAs, Roth and otherwise - these can be directed into secure investments (again, think as close to cash as possible - insured CDs, things similar to the TSP G fund, that sort of thing).

When to get back in is the next question. Answer: when stocks are good values, with high dividends and low prices compared to earnings. We are a long way above that point. For an excellent overview of the numbers and performance data over the past century, Bullseye Investing by Mauldin is highly recommended.

Hope that helps...