Agreed - a well diversified portfolio of stocks and bonds across sectors and geographies is the right approach to maximise return versus risk. I'd keep a littl

Agreed - a well diversified portfolio of stocks and bonds across sectors and geographies is the right approach to maximise return versus risk. I'd keep a little aside for investing where you have an unfair advantage versus Wall St. That might be getting into a tech stock early, or investing in an early stage company through friends. For the latter don't expect to get your money back soon, if ever.