1. Cash or bond index fund, at least 30%, 50% at least for 50 plus.
2. Gold ($1200-900), target price $1500.
3. Energy ($75-55), target price $85.
The worst investment order now:
1. rental property,
2. total debt > 5 X total income,
3. 100% stock.
Golden words: debt free + savings for 1 year need.