My own take on this is to differenciate as much as possible. Cash, gold, silver, bitcoin, altcoins, real astate, bonds,... because no one can see into the future. But a very important point is, that you should be prepared mentally to coupe with a crisis. You should have an eternal perspective to be able to endure everything that happens in this world. If the people are right about a world crisis, we have other problems as money.