Dow Jones today is up 14% in October. "Investors are still in a bear market. The average bear market sees 35% to 40% declines and we are at 20%. Two year and ten year yields have been inverted for weeks. Bear markets typically last 20 to 22 months and we are halfway through that. With your 80% portfolio allocation, find quality stocks that have a strong balance sheet and strong cashflow. With the other 20%, incorporate covered calls, buy a stock that you like, and buy short-term treasuries," says Tony Zabiegala.