[tjansen]

Right now is a very risky time to invest. It could be that it turns out to be a good time, because stocks are about 20% below the all-time high. But there could also be a second crash, when investors realize the real impact of the economic crisis caused by Covid-19. In addition to that, there's the risk of inflation caused by government bailouts. What I'm doing right now is keeping about 1/3rd in gold ETF as inflation protection, about 1/3rd in stocks ETFs and the rest in cash. Once the whole thing is over, I will probably move back to stock ETFs.

[basch]

Are you familiar with https://portfoliocharts.com/portfolio/golden-butterfly/

20% Total Stock Market

20% Small Cap Value

20% Long Term Bonds

20% Short Term Bonds

20% Gold

You could replace short term bonds with Cash, TIPS, CDs, Bitcoin.

[tjansen]

Not this portfolio, but I don't see the point of buying bonds anymore, at least when you invest a relatively small amount of money. Low interest, risk is relatively high compared to what you can earn, and no inflation protection.

[basch]

Long term bonds benefit from low interest rates.

https://portfoliocharts.com/2019/05/27/high-profits-at-low-r...