25% gold and 25% cash? I'm not an investment expert. But this seems like a pretty bad idea to me. For one thing, just holding currency is pretty much a guarante

25% gold and 25% cash? I'm not an investment expert. But this seems like a pretty bad idea to me. For one thing, just holding currency is pretty much a guaranteed way to lose money, given inflation. And I always understood gold to be a sort of hedge against currency failure, war, and that kind of thing---which makes it odd to keep just as much currency as gold. Non-expert investors should basically just buy index funds and hold them, transitioning them slowly to less volatile bonds as they get older and are more vulnerable to risk.