FINALLY the BS “magic wand” of Financial Planner’s….the BS of 60/40 is dead. FYI: 60/40 meant investors invest 60% in stocks and 40 % in bonds. That BS ratio died in 1971 the year Nixon took the dollar off the gold standard. For years, financial planners have touted the 60/40 as if it was the magic carpet ride to financial security in retirement. How can there be any financial security when the US dollar is fake, an IOU from a bankrupt US Givernment controlled by the Marxist Fed….and the US government is the biggest debtor nation in history. WHO would be stupid enough to buy bonds (debt) from a bankrupt country? Finally the truth comes out. Morgan Stanley now promotes 60 20 20…. a more stable path to financial security and freedom in the future. The facts are gold has outperformed stocks and bonds for years….but no one said anything. Now Morgan Stanley’s recommendation of 60/20/20…. 20% bonds 20% gold gives investors a better chance for a more secure retirement. I still prefer gold and silver coins, Bitcoin, Ethereum, income from rental real estate using debt…. And income from oil wells and cattle….real assets….but I retired financially free over 30 years ago… So I have never needed or used the financial planners magic wand of 60/40….60% stocks and 40% bonds. Real life lesson: Find the investment formula that works best for you.(Robert Kiyosaki)