Just keep in mind this is an extremely conservative portfolio, that wont do much better than "cash under the mattress". That being said, a low risk way to do sl

Just keep in mind this is an extremely conservative portfolio, that wont do much better than "cash under the mattress". That being said, a low risk way to do slightly better than inflation may be exactly the portfolio some people are looking for (not that I'd advocate this particular allocation). - 25% in cash (short term treasuries actually): currently returning ~2%, approximately the returns of a higher yielding savings account. - 25% in gold: historically does only very slightly better than inflation. Currently price of gold is inflation adjusted the same as it was in 1979, which was followed by a ~50% loss that took 30 years to recover [0]. TIPS are probably a better choice for people extremely worried about inflation. - 25% in long term bonds: a sensible allocation to bonds, though I'd prefer intermediate term, personally. - 25% in stocks: extremely low allocation. Generally 60% allocation to stocks is considered fairly conservative - it gives you some of the increased return of equities while reducing the volatility of exposure to the stock market. Lower allocations definitely make sense for some folks, though I've yet to see a compelling case made for anyone still in their earning years doing less than 40%. [0] https://www.macrotrends.net/1333/historical-gold-prices-100-year-chart https://www.macrotrends.net/1333/historical-gold-prices-100-...