1. Call it 100K to make the numbers easier to calculate. This is not part of our retirement investments, checking, or savings. Cash is actually 35%, so call it 35K. Potential uses I can see are car, roof, HVAC, things like that. I did not go to this for HVAC, for example, as I obtained 0% financing for 3 years. For auto, could not get 0%, so went to this cash.
2. Not really encouraging anyone to borrow money, but looking for opportunities to use cash and avoid paying interest to other "banks".
3. On equity side (60%), anticpating growth and income to exceed inflation. On $CASH side (40%), I think 1.9% is beyond the cumulative CPI for a year. At least for now, stock is up 25% or more.
4. I see co-signing as a separate issue. The subject did come up this year as a possibility, but it is not really tied into this.
5. Everyone involved has higher credit ratings, and earns enough to be self-sufficient. Each can get a loan or mortgage.
We're not necessarily carrying out a monolithic plan that can't adapt. This article probably presents the concept better than I can:
I understand your main point, which is that putting this all into US Total Stock index or a balanced fund will produce better results. That could be an option at some point. For now I have identified two ETFs and begun positions - SCHD and PGX. Other stock held is a large telecom.