Financial OPINION (not professional advice): You should already be out of the tech and semiconductor stocks. You should be completely out of the Ponzi stock market and funds that invest in the market. If you are not, you may already be too late as some funds are now restricting withdrawals as people head for the exits. The stock market situation looks extremely volatile right now, and many people fear that "Dot-Com 2.0" may be near. Protect your assets!