I still like my concept I've been using for 7 years
25% gold you keep on hand in a safe or safety deposit box
25% growth mutual fund like "calamos growth fund A"
25% money market with a broker like raymond james which payes 4% right now
25% corporate class A bonds or a bond fund like the pimco harbor bond fund, or go into US bonds.
Talk to a financial advisor.
this formula above makes me great returns and has great saftey involved. its what you call a permenant portfolio.