Cash

On home mortgages.

The bank also has temporarily stopped offering cash-out refinance loans, as well as some “non-conforming” loans and most home equity loans higher than $250,000, according to Reuters.

Just remember a lot of those things you think are there - jobs, stock holdings, insurance, mortgage lenders, etc. are often not when you need them.

I'm not a financial expert, but to my mind the most robust holding is good old fashioned CASH.