Bar, >> QQQ <<
That's been the place to be for decades, but I wonder if having too much focus on tech, Mag 7 and AI will soon become a disadvantage? That's what happened after the Dotcom bubble, and it took 15 years for the Nasdaq to recover its 80% plunge. I'm even getting nervous with the S+P 500, since it's so overweighted in tech / Mag 7.
But I worry even with a 12% stock allocation. You have a lot more $$, and are less twitchy, so can comfortably have a higher stock allocation. Bogle settled on 50 / 50%, but that would send me right to the Tagamet. But everyone is different, and too much in bonds has the devaluation via inflation risk. I was surprised to see Bogle recommending 5% in gold, which for him was a big departure. Other hard assets like land and paid-for real estate also seem like a good alternative rather than too much in paper assets, stocks / bonds.
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