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Hi! My name's 1guru1. And I'm an investor. Are you? See, a loss not realized is not necessarily a loss. If you sell now, of course you're likely to get whacked. Many market swoons, even one as severe as this one, do not deter some long-term investors. Emphasis on the "long." If you need the money this year or next, stocks are NOT the place to park cash. That is the money you should reasonably anticipate in 2019, or 2020, with a nice capital gain. Really. As for the CD's hubby bought, the income returns on those act as a nice cushion; if they're FDIC covered you will at least maintain some income after taxes, while some of the stocks you own (hopefully) continue to pay you dividends. You did buy dividend-paying stocks; didn't you? Investing takes patience, discipline, and flexibility. Anything else is gambling.