I’d put everything into the S&P 500 or the MSCI World! In the long run, you’re guaranteed protection against inflation (over periods of more than 25 years), because the market has recovered from most crashes over that time. I also did some back-calculations and found that, historically, you could have withdrawn 2% gross from the S&P 500—adjusted for inflation relative to the initial portfolio value. Over a 40-year period, in 98.5% of all cases, you would have had just as much capital, adjusted for inflation, as you did at the start. In the remaining 2% of cases, you would still have had at least 84% of your capital left (adjusted for inflation), and if you had waited just a few more years (five years, to be exact), there would have been no portfolio that didn’t have exactly as much money as at the start.
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@market_maestro_vnyyc Sure, I'd do the same. You can lead a donkey to water, but you can't make it drink. 🤷
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