By February of 2000, we had achieved our goal of reaching a 0 risk portfolio (see below). Since that time we have suggested that the average investor own zero (0) stocks and zero (0) mutual funds. Since February of 2003, we've suggested zero (0) holdings in bond funds. Centralized real estate holdings have also been re-categorized from "best bet" to "have a serious plan."
We are also left with a sweet, diversified portfolio that includes several shares of many different companies. This has allowed us to monitor the market and participate as shareholders/owners.