有不少人问有些现金，除了地产，有什么保守投资

可做。

分散投资是控制风险的好办法。把钱放在相关系数不是很强的不同资产中，如股票，债卷，地产，外币，金属，石油，国内，国外，等等。问题是一般人没时间，精力和知识去操作。有一个mutual fund 专做这个， prpfx. 各方面评价不错。大家可以关注一下。I personally have less than 1% of my financial (non-real or business )assets in this fund. I am a more aggressive investor, (not a day trader though).不是推荐该基金。新年提供一点有用的东东。稍后会delete 此贴。

Trailing Returns	Updated 12.31.2011
Year to date	2.1%
1 Year	2.1%
3 Years (平均每年)	13.2%
5 Years (平均每年)	8.4%
10 Years (平均每年)	10.9%

This fund has a unique strategy that has produced an annualized return of almost 10 percent over the past decade. Management invests a fixed target percentage of its net assets in gold, silver, Swiss franc assets, stocks of U.S. and foreign real estate and natural resource companies, aggressive growth stocks, and fixed-income assets like treasuries. Generally, fixed-income securities make up the largest portion of the fund's total assets (35 percent) followed by gold (20 percent). The stock portfolio accounts for 30 percent of the fund's total assets, and investments in the Swiss franc make up 10 percent. Management also invests a small amount (5 percent) in silver.