Those billionaires spouting off about a market crash are capable of making it happen. They will begin selling some of their shares, start the sell-off,and then when stocks bottom they will begin gobbling up cheap shares. Happens every 3 to 7 years. Who makes money the top .01%..ie..the billionaires/
As for how a market crash would effect VLDI or any penny for that matter...very little if any. In fact pennies may flourish in the middle of a market downturn.