First of all, congratulations on your achievement. It would appear that you have successfully followed the strategy of spend less than you earn. The best retu

First of all, congratulations on your achievement. It would appear that you have successfully followed the strategy of spend less than you earn. The best return you can get is when you invest in yourself and your own business. So perhaps that could be the third component of your diversified investment strategy. Real estate is always a solid one. I don't have much experience with ETFs - but from what I hear they are somewhat exposed to stock market volatility.