What Do I Do With My Investments? (That is, if you have any left!) I am not a financial planner but learned a few things that I thought I would share.

While the market offers certain challenges, it also offers you an equal
amount of opportunities. When everyone else is zigging, you want to be zagging. Or to paraphrase Warren Buffet, "When everyone is greedy, be cautious. When everyone is cautious, be greedy."

It is recommended that you put 50% of your investment into the NO RISK category. That means NO risk, not moderate. It means insured savings accounts, certificates of deposit and things like that. That way, no matter what happens, you will never lose everything.

Now, your next 25% goes into MODERATE risk/reward
investments. This is where I categorize real estate - IF you know something about it, and aren't just buying a lot of junk for no money down because you read a Robert Allen or Donald Trump book. (We can help you with this investment!)

Real estate is a better long-term deal simply because they are
not making any more land. (Other than in Dubai, but that's another
story.) Yes, Real Estate will go up and down, and sometimes crash
as it has lately in some parts of the country. But if you have invested smart, that doesn't affect you. As long as you don't HAVE to sell, you can always wait out downturns and your value should return. Where people run into problems is when they buy without enough money down and haven't looked at a realistic cash flow.

This is also where stocks and bonds would be classified - IF you know
something about the companies you are investing in, and aren't just
buying a lot of junk on the recommendation of a stockbroker that
probably earns less than you do.

The third 25% can go into HIGH risk/reward investments. So if you hear about some amazing deal that is drilling natural gas wells and they are paying 3,467 percent profits every two weeks, great. Give it a shot if you do your due diligence and it seems legit. But only with 25 percent of your investment fund.

This is where people usually screw up. Because they find something that is paying big for a while, they shift all of their money into it. Then when it tanks, they lose everything. Be smart and keep your investment mix diversified.

(Ideas taken from article from Randy Gage at http://www.RandyGage.com)