Look into a self directed version of a retirement plan that allows you to invest in physical gold.
No, I am not going to tell you to move EVERYTHING in to physical metals. I AM going to suggest you move 5-10% into “hard assets.”
If the market falls 80%, that 10% in hard assets is going to go a long way to offsetting your loss, and provide you with some “value” insurance.
Don’t let anyone kid you about metals: if they go up as much as some people say they will, life will be horrible whether or not you own them. Gold and silver is insurance against inflation. It is not an “investment” per se.
You want my take on protecting yourself with some value insurance? Move 5% into cash and keep it handy around the house. You'd be surprised how many people don't have any cash on hand. If you do have it, and it's in a bank, you may have difficulty obtaining it when the SHTF during a collapse. A lot of people don't even have cash at all, living paycheck to paycheck. Cash will help you get what you need in hard times, from black markets or paying under the table for goods and services. Not everyone will take physical metals, let alone give you change.