Most likely I would not consider option.:(.

You know, a simple life is my goal. Don;t want to make life too comlicated--after read an option book, this is my decision for my investment.

60% ofmy portfolio is under my own control, that's why I put all in stock funds. Too heavy in mid-cap this moment. SO I will suffer heavily if the market goes down more. But it recovers fast too when the market reverse. I can hold any way.

The big lesson learnt from 2008-2009 is that you must have the capability to put during a down-turn. I changed job then, and could not put  money in for almost 1 year. Hopefully, this round, I can keep putting.