Quote:
Originally Posted by fisemper
As of today I am 100% liquidated and looking for a long term plan that does not include stocks.
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Never, when one is alive, is there a good time to be 100% liquidated from stocks, IMHO. If your money is in cash, there's inflation risk. If your money's in gold, there's inflation risk. If your money's in real estate, there are oh, so many risks, that many landlords are now experiencing. If I wasn't so lazy, I'd probably have real estate as 1/3 of my portfolio, in terms of rentals. But I tried that, and it nearly bankrupted me. I was a couple of months away from needing to take $ out of the 401(k) to meet expenses after a tenant left.
Let's go back to the basics. Download the Callan Periodic Table of Investment Returns, which includes cash, equitites, real estate, fixed income, etc.:
https://www.callan.com/periodic-table/
Does any asset class consistently outperform any other? No. That's the premise behind maintaining a balanced asset allocation. Short story is, if you want to sleep at night, diversification is key.
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