The Author addresses investor’s basic needs at the heightened stage of market stress. He provides comprehensive guidance to almost all Investors – personal to professionals -how to handle their portfolio at this point of time. He narrates in very simple language when to invest new money, and until such time, how to rebalance their present portfolio with existing resources. He also provides tool such as Excel spreadsheet with demo examples. No Author has ever provided such guidance ever. The Author has 40 years of rich experience in banking, stocks, bonds, currencies, commodities in international market.