In most cases this is all people need to do basic investing with reasonable return.
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## Diversifying from Bogleheads
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Though the above combination of stocks and bonds is perfectly reasonable, I like to diversify further into a few other categories. Mainly I add the following:
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- Gold
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- Silver
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- Cryptocurrency
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These in sum do not exceed about 8% of my portfolio, and is weighted more towards gold. I reduce my bonds allocation by 8% to make room for these.
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## Holding cash
Banks are going to give you complete shit return for holding your cash. A HYSA will give you better return, but sometimes suffer from bad checking account features. For example, Wealthfront has very bad check-writing abilities.