Yeah, I laugh at most experts though. They seem to be experts at telling others how to manage their money. Hell, if they were really good they would be wealthy enough to not having to hawk their ‘expertise’. I will say for my tastes though, I don’t think 20% in precious metals is excessive or a bad idea. One thing I am certain of is diversification is a wise idea. No one has a crystal ball and can tell how any scenario will play out, so having several different types of investments just helps ensure you will have something to work with if shtf. Investing is a personal decision, and what seems prudent for one person may seem radical to another. There are also too many things to consider, from ones age to what are your ultimate goals, for any one strategy to fit all people.