Looks fun, just ordered the game now! 😊

More stock diversification is the answer, not manual filtrering or a tilt towards “stable” stocks. If that does not provide a risk that is tolerable for an investor, then a lower stock allocation is the next step.

For a long time people have trusted their money in the 500 biggest US companies, but ignoring the world and ignoring smaller companies. This does not really make that much sense, but actually makes more sense if you are not an American.

Americans work in the US economy, and often invest in the US economy. Doing so makes you take on additional risk. An allocation towards the entire global stock market gives roughly 50% exposure to US stocks already.

If the US stock market takes a huge dive, then the value of your assets drop, and at the same time you have an increased risk of losing your job.

While I understand your point here, but a 10% drop amongst tech companies should not be a huge drop for a properly diversified 100% stock based global index fund.

A 10% drop in general is expected for index funds, that’s why you should have a long time horizon. If a drop of 50% is more than you can handle then the stock allocation should be lowered from 100% and bonds increased by the same amount. S&P500 is not enough diversification, not nearly enough. Funds that track MSCI ACWI is a lot better in terms of diversification, and diversification is the ONLY free meal in investing.

Yeah, this is quite surprising really. This was a big expensive title and not even 6 months have passed.