ระดับ ๔ มีอิสรภาพทางการเงิน
Pick three things to start.
- Figure out whatever else you want
- the annual cost of it
- add that amount to your current annual total
ขั้นที่ ๕ Upside without downside, a lifetime income plan
มีแต่ได้ ไม่มีเสีย ด้วยการวางแผนสร้างรายได้ passive income ตลอดชีวิต
แบ่งเงินลงทุนแบบนี้
30% in stocks (for instance, the S& P 500 or other indexes for further diversification in this basket)
15% in intermediate term [seven- to ten-year Treasuries]
40% in long-term bonds [20- to 25-year Treasuries]
7.5% in gold
7.5% in commodities
David Swensen’s Portfolio Strategy
20% American stocks.
20% International stocks.
10% Emerging markets stocks.
20% REITs.
15% Long-term US government bonds.
15% TIPS (inflation-protected bonds).
Ray Dalio’s portfolio strategy
7.5% commody indexes.
7.5% gold index.
30% stock indexes.
40% index of long-term US government bonds.
15% index of medium-term US government bond.
