5 or 10 years?

Like it or not, economy cycle exist and will always repeat the same stage every few years. But the question here is 5 or 10 years?

If we think back, Malaysia had face Asean financial crisis in 1998 then the US sub prime mortgage crisis in 2008. It's looks like we will have a major crisis in every decade. But how about the minor one? Many of us didn't remember there was a minor adjustment in 2003 from 816 point in April 2002 dropped till 631 point in May 2003.

Coincidently 2013 is another five years after 2008. This make me wonder is there another round of adjustment coming soon? With both internal (general election) and external issue ( US and EU crisis) around, this prediction can happen any time. Timing is hard but what one can do is to always be ready by accumulating some money and set aside as back up. If it didn't happen, you may be earning less but it is always better to make preparation rather than losing the opportunity. This is the reason why I think saving come first while keeping spending to the minimum is necessary.