As a 45-yr old that was late to the party, I am currently using the following diversification strategy to play a little catch-up:
Current returns to date: Real estate (11%), Stocks/Bonds (6%), Crypto/Blockchain (900%)
Over the course of 2018, I plan to maintain a 15% cash reserve while deploying an additional 11.1% into securities and alternative assets. I’m also seeing a little more real estate in my future (2.4%) 😉