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You are totally right. The stock market seems dangerously overvalued to me so I don't invest outside my 401K. Keep losing out to inflation. I guess the rational
by brutus1213 9y ago
You are totally right. The stock market seems dangerously overvalued to me so I don't invest outside my 401K. Keep losing out to inflation. I guess the rational strategy is to diversify. But doing that in a meaningful way requires a lot of assets to begin with.
- lev99 9y agoAnyone can trade in index funds, commodities, and bonds and CDs. It's not a meaningless amount of diversity available to normal folk.
- rdykl 9y agoLike the other person said, ETFs and index funds are a good start - risk there is you're not protected against market downturns, but you're diversified enough to not be exposed to more common risk factors.