My grandma sold her appartment as she is in a retirement home now. After putting away some cash for covering expenses the next years (her pension only covers 1/2 of her expenses) and cash to pay for inheritance rights (it's a reality...) she has about 100K USD coming available to invest. I was thinking about employing it the following way. The goal is to support her day to day expenses somewhat and not lose to much of the principal but I guess everyone wants that... - 10K in the Nikkei. (I see there are small cap Japanese indexes too?). Nikkei has been dead for 20 years, if the Yen rises we do good, if the Yen tanks stocks could compensate for it.) - 10K in a broad emerging market index. - 10K in a emerging market of choice (Vietnam, India, Egypt?). - 10K in the S&P. - 10K in a local telephone company that pays a great dividend - 10 K in a foreign corporate bond (but what currency the Euro tanked against most of them (like AUD) - 20 K in rocksolid companies like Nestle or Roche or Total or utilities... - 10K in a short instrument maybe best on emerging markets since they get hit worst when liquidity retreats. - 10K in GDXJ (couldnt resist... ) What say you guys, would you leave your own grandma with such an alocation... Cheers.