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Okay, let’s put it this way: There’s no strategy that avoids all risks. You have to balance risks and possible gains. You can balance the risk of investments in the stock market by allocating part of your money to other investments or stores of value that you believe will do better in the scenario where the markets go down long-term. In other words, diversify and allocate according to your risk aversion. This being said, a world index provides a maximum of diversification in the equity market.