Hello everyone, a new user here.
I am 32. My net worth is $275,000 and I've diversified in the following way:
Bank deposits, cash and cash-equivalents: 51%
Stocks (US, European, World -- mostly diversified ETFs, but also some individual stocks; no leverage): 42%
Life insurance: 3%
Pension funds: 3% (my private IRA; plus I have some skin in the whole government-run pension system in my country, but my current payments are being spent on current retirees and I have a "promise" for a pension in the future, so I don't count it in my NW).
Gold: 1%
I have no debt.
I own no real estate (renting). I admit I am a bit uncomfortable having no real estate holdings/investments, however I live in a middle income country and the real estate market is not developed, so consider it a bit risky. Plus the rent\price ratio is not great.
If anyone feels like making a suggestion, please do. Much appreciated.