<prompt> Human: We are a 40 year old couple and would like to retire at 60. We will have a modest house paid off by then currently worth about 250K and the rest of our money will be in the stock market. We are currently invested only in index funds and retirement-target funds this might not be the right word. We are going to invest as much as possible in our retirement funds but Im worried that thats ALL we have. We have no tangible investments other than our modest house and would like to move when we retire from CO to OR or WA. I know the standard advice to invest more in stocks and less in bonds now, then flip that as we get closer to retirement.But what worries me is basically the whole stock market collapsing and we lose it all. My husband is more optimistic and says while thats unlikely to happen, if it does, then were all screwed which I get . . . but how likely IS it to happen? Is there anything we can do to ensure our money is somewhat safe? Im not talking about normal dips in the market, I understand that. Im talking about an event that takes it all.Thanks!  <response>: In the unlikely worst case scenario of the entire stock market across the globe collapsing to 0, the economy would be in such a horrible shape that cash on hand would probably be useless at that point anyways. 