It amazes me to hear financial advisors talk about diversification. They talk about how you need different stocks and mutual funds and maybe some bonds and cash. Although there are a few now that will recommend at least a small portion in gold or real estate, most financial advisors and media talking heads do not account for the U.S. dollar. In order to be properly diversified, you should own some hard assets or funds that invest in hard assets. Another option is to buy foreign currencies, but then you will be subject to inflation in those currencies. It takes time and effort to build real estate and mine for gold. You can’t just print them on a printing press like a fiat currency. Make sure you protect yourself against central bank inflation. Stocks are not the best way to do this, unless the stocks specifically invest in hard assets.