Looking for input from those who were invested through the numerous crashes (911/2008/covid)....
Wife and I are pretty much retired now....
My SS checks start in April (less than $1000/month)... wife is only 64 so a few years (4) from drawing SS.... no pensions.
We are \~ 73% stocks/mutual funds/etf etc in brokerage & IRAs (traditional & Roth)....
and 27% munis & treasuries....
Since some reddit threads are wary of an upcoming recession due to tariffs, inflation, etc... should we consider any dividend ETFs such as SCHD for our "safe" part of our portfolio, or stay in munis/corporate bonds/cash??