I have everything in stocks plus an inherited trust with real estate activity that throws off $40,000 a year. I will get a pension and DH already has his. Between the pensions and social security we have more than enough to live on. DH doesn't trust stocks and has his money in CDs and rental houses. My investments have grown far more than his.

Anonymous wrote:Mattress, or roughly

1/3 stocks - of this 80% S&P and 20% international
1/3 gov bonds, corporate bonds
1/3 real estate

2=3 months expenses in checking

This is me.
Don't have 10m though.
But 1m rentals, 1m munis, 1m s&p 500

Mattress, or roughly

1/3 stocks - of this 80% S&P and 20% international
1/3 gov bonds, corporate bonds
1/3 real estate

2=3 months expenses in checking

Gold

No where now.

Anonymous wrote:My retired parents have a healthy T-Bill ladder, physical gold, bonds, and equities. They are super conservative.

I missed out on the gold, now I think it’s too late to get it

In Trump's bitcoin scam, of course!!

Mix of stocks and bonds does the trick for the long run. Big no to physical gold.

Mix of stocks and bonds, would do it myself but I like the way Target Retirement funds do it in a single package.

All in stocks and crypto. It's risky to have money anywhere else because of money printing.
Real estate is just for living. I own real estate abroad. Will rent here as a single person. Easier this way.

My retired parents have a healthy T-Bill ladder, physical gold, bonds, and equities. They are super conservative.

Diversified. I have a lot in EU, Japan etc. real estate too.

Where is the money coming “from”?

We don’t have 10M but we’d prefer all our money to be in a Roth. With that and any outside savings our allocation will probably be around 80/20. That 20 would be around 4 years of expenses. That 80 would be in low cost index funds.

Most of my money is in the market. Tiny bit in Tbill, Ibond, and other stuff but I'd say most 95%+ is in stocks. i am retired.

For people who are smart with money and are lucky enough to retire with $10mm+, where do you put your money? You can't put it all in stocks – that's too risky. Crypto is worse. Too much in real estate could mean a lot of work managing the property/rentals or money wasted on management fees, etc. So where else do you put it? Bonds are no longer as reliable as before...do people actually buy gold??