From an email I received today.
" I did a detailed calculation and discovered I had spent 1.25 YEARS over the past 25 just DRIVING back and forth to work.....and yes, I left a lot of money on the table by leaving when I did, but picking up my 3 year old granddaughter once a week and taking her to the library, park and/or movies, along with being able to work on various projects around myself anytime I want, taking quarterly vacations of 7-10 days each with my wife, is worth far more than those bank deposits"
Ed McQuarrie talks the REAL History of Stocks and Bond performance.
https://www.morningstar.com/portfolios/how-use-commodities-your-portfolio?utm_source=eloqua&utm_medium=email&utm_campaign=FundSpy&utm_content=None_61962&utm_id=32070
How Commodities funds can help diversification with Stocks and Bonds and usually not correlated to either
https://www.morningstar.com/funds/most-stunning-fact-about-vanguards-etf-flows-2
This article shows people are pulling money out of mutual funds and putting it into index funds an example is VOO. Also Vanguard Primecap and Core fund opened the fund due to them both because of money being pulled out. INDEX ETF's way to go tax efficient and low expenses