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Sorry, I have to take issue with this approach. You're tying 60% of your total assets to the market indexes of countries that are likely to decrease in value over the next several years. You're tying 20% to real estate indexes that are also extremely overvalued.

You're young. Stick it in a money market account or something safe for a few months until you can get some real financial advice.

Personally, if I had $5 million I would probably leave it in money market and safe CDs until this period of global deflation and low interest rates is past us. I would wait until the inevitable inflation that is coming in a few years, and when interest rates are over 10% (hopefully), put a couple million in fixed annuities that will pay out monthly for the rest of my life, put 1-2 million in safer investments, and invest the other million in risky stocks with a high potential payout.

That way, I have guaranteed income for the rest of my life from the annuities, enough to live off of, and can hopefully see some better returns from the rest of the money. A good financial advisor can give you a better strategy.



If you think you know something the market doesn't know about those countries, and future inflation rates, then your strategy makes sense.

But otherwise, investing in a pure cash portfolio is super-exposed to inflationary risk, and very low-growth.


It doesn't take a genius to see that Europe is in a deflationary spiral right now, with Greece and Portugal leading the way. Why would you want to bet 30% of your portfolio against the trend of Euro/Dollar weakness?


Being able to see the future isn't enough for a financial bet. You have to be able to see the future before other people with money. If something is sufficiently obvious, it will already be priced into the market.

In other words, a financial trade isn't a bet on your insight. It's a bet that your insight is sharper than the person on the other side of the trade.




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