What percentage of my money should I put in each asset class?

**Updated September, 2011**
Strategy: Very Defensive

This answer depends on you current personal situation, including total net worth, job security, and investment goals. Always speak with a financial planner before making any investment decisions.

That being said, if you have between $300,000 to $1 million+, use the following as an outline:

1. 40%: Cash at Safe Banks and Short Term T-Bill Funds
(See scenario 1)


2. 10%: Foreign Stock Portfolio
(See scenario 2, example 2)


3. 20%: Precious Metals
(See scenario 2, example 1)


4. 10% Short Stock Market
(See scenario 1, example 4)

5. 15 - 18 %: Speculative Investments - Heavily weighted toward Gold Stocks
(See scenario 2, examples 3 and 4)


6. 2-5%: Precious Metals and Cash Kept at Home and Safety Deposit Box

Reminder:

0%: American Real Estate (That includes your home, sell it and rent)

0%: American Stocks

0%: Long Term Treasuries

0%: Municipal Bonds

0%: Corporate Bonds
Investors with less than $300,000 or young in age can invest a greater percentage in precious metals and speculative investments.