The most common thing I hear from people who will not invest during tough economic times is that reason - they think the market is doing bad so they should not invest in it. They also may think that the market will go lower from here and are afraid of losing their money. Unfortunately these people fail to realize that you can make money IN ANY MARKET! Besides buying a stock you can SHORT a Stock. But shorting stocks is not exactly easy and you have to know what you are doing. However, buying an Inverse ETF fund is the next best thing.
The Definition of An Inverse ETF
"An exchange-traded fund (ETF) that is constructed by using various derivatives for the purpose of profiting from a decline in the value of an underlying benchmark. Investing in these ETFs is similar to holding various short positions, or using a combination of advanced investment strategies to profit from falling prices," according to Investopedia.