I lost count of how many hours have I invested into reading or watching articles on the subprime crises or more commonly referred to the Bear followed by the the Leman Brothers collapse or 07/08 financial crisis. If I was to estimate at least 20 to 30 hours watching the video version of such movies related to it or documentaries. Lost count of how many articles I read relating to it. I just watched the movie, the Big Shot. And is reflecting on the current market conditions. One of my friends bought bonds last year and lost some money. Sounds familiar. My portfolio due to my experience and believes has always consisted of: 20% Cash/FD/Bonds 20% Precious Metal/Oil 60% Stocks of which: 35% Dividend Stocks 20% Growth Stocks 05% Trading Stocks I have stuck with this portfolio mix since 2012 July. I started investing in Oct 2011, the returns has fluctuate per year from positive 17% to negative 15%. Average out to around 5-7% returns per year only. 7% is considered an average investor......