I see nothing that says you would favor a open and honest discussion without trying to show your superior understanding. How about we agree that from where you sit you are superior and I continue to earn more then you think possible. We both win.I don't have any superior knowledge. You win. Asset classes and asset allocation have been brought up in this thread. In regards to that, the following is from: http://www.jvbruni.com/berkshire.htm"Buffett and Munger noted that at Berkshire, there is no checklist of prioritized asset classes or ideas. All investments are simply alternatives to each other. Buffett added that the “typical stuff [of asset allocation] is pure nonsense.” He criticized the practice of brokers and financial advisers recommending that investors hold a given mixture of stocks and bonds, saying “typical asset allocation is just merchandising — you don't need this.” Instead, he suggested, “The best way to reduce risk is to think.” The default position for investors should be short-term instruments, he said, and investors should move into longer term investments only when it's justified."