Diversifying one’s portfolio of assets is a common investment strategy.

Throughout history, investors have been taking on more and more risk in order to generate higher returns. One of the most popular forms of investing during a financial crisis is to diversify your portfolio by buying a mix of stocks, bonds, and other investments.

The 2020-2021 financial crisis caused by the Covid-19 Epidemic, has led many people to diversify their portfolios to include less conventional investments such as collectibles, art, crypto currencies, rare metals and even bullion.

Asset Diversification Plan

Investors are turning to assets that are not correlated with the stock market. They are diversifying their assets due to the uncertainty in the market. Now people don’t just invest in stocks, they invest in all kinds of assets like rare metals, crypto currencies, art and collectibles. The following is a table of few examples of non-correlated assets: In the coming years, we might see more people investing in these assets during the current financial crisis.

Diversification of Assets

A Guide to Non-Correlated Assets, and How They Can Make Your Portfolio Less Volatile

 What is a non-correlated asset and how does it work?

A non-correlated asset, is a type of investment, that does not move in tandem with a person’s other investments. It can be a hedge against fluctuations in the market. The best way to diversify your investment portfolio is to invest in both correlated and non-correlated assets. Non-correlated assets are those that do not move in tandem with other investments and can therefore provide stability during difficult market conditions.

Stocks and Market Speculation

Benefits Of Investing In Non-Correlating Assets

Investing in non-correlating assets can be a great way to diversify your portfolio. It reduces volatility, and it lessens the risk of your portfolio dropping drastically because of one particular asset.

Some investors might be hesitant to invest in non-correlated assets, but they are actually pretty safe. After all, the most popular investments are stocks and bonds. And those two types of investments correlate with each other quite a bit. They both experience changes in value when the economy is doing well or poorly.

Bitcoin - Crypto Currency

The main benefit of investing in non-correlating assets is that they reduce volatility for your portfolio. This means that you don’t have to worry as much about losing money on an investment if you also have some correlated investments with it. 

Investors who want to minimize their risk and volatility. will ideally invest in non-correlating assets.

  • Non-correlating assets are defined as items which do not move in a similar fashion, with the same degree of frequency, or with the same magnitude as other items being considered for investment.
  • Investors can reduce their risk by investing in non-correlating assets.
  • The main benefit of investing in non-correlating assets is that it is less risky than investing in more traditional portfolios. There is less volatility as well as lower risk for those who invest in these types of investments.
  • Non-correlating investment options have a wider variety of potential returns and can be a good solution for investors who want to minimize their risk and volatility.
  • Many investors believe that diversifying their investments is the best way to reduce investment risk. They invest in assets that are not correlated to each other, so they don’t face losses due to fluctuations in any one market.

Finding the best correlation for your portfolio can be a challenge. It is important to have a diverse portfolio, because this will lower the volatility and risk of your investments. You should invest in assets that are not correlated with each other to get the most out of your investments.

Property Investment – Buy While Cheap and Wait or Not?

Property Investment - Buy While Cheap and Wait or Not

Investing in non correlated assets can be difficult and it is important to find an asset that has low risk and volatility. These types of investments will allow for diversification which will give you more of an opportunity for success. You should compare the risks associated with different types of investments so you know what is right for your portfolio type.

Why Should You Invest In A Non-Correlating Asset?

In my humble opinion; If your finances can allow diversification, then yes. Especially in this particularly unstable time of Global Economic Crisis due to the Covid-19 Pandemic, and the un-surety of how the future will pan out with which direction the economy will take, a physical asset based standard economy as before? or a digital economy? The end of ownership, and a move to digital currency instead of a cash based society means that the coins and banknotes still remaining, will become as collectible as a penny black postage stamp.

Gold Standard Era Monetary Exchange System

Most physical assets in the future, such as homes and vehicles, are to be replaced by subscriptions. For example, as the property prices fall with people needing to sell their homes due to joblessness and bankruptcy during the Pandemic, Governments are creating shadow companies to buy up all the homes, and possess them, and even are offering in some countries such as USA, 150% the market value price. This wil end with most people selling their homes to the state, who will eventually hence, own all homes, and we shall have to subscribe (Rent). This leaves no true security of bering abler to perform home improvements and the like, which would be transformed and sold as upgrades. Later tenants to the then upgraded apartment or house your subscribe to, will then be rented at at a higher subscription rate to later ‘subscribers’ (tenants). Failure to pay subscription will be accompanied b y a ‘terms of service’ type rent contract, that will permit immediate eviction, much faster than present legislation in the Pre-Cashless Society can implement. The landlord benefits, the Tenant loses many freedoms. Personally i would not wish to be an ‘evil landlord’ in the eyes of anyone, even if it was because of diversification of my assets, and self protection of wealth, because my ethics have hated ‘Land Lords’ (Lords of Land nobody ever gave to them to be Lords of in the first place), and in truth, i do not truly believe in ownership. Not believing in ownership, also means i do not recognize, that any other person or company can be an owner of something, and cannot therefore offer me a subscription to something they did not own (given by mother nature to them especially). However, I do risk manage what Humans assume to be personal assets, whilst this particular system of Rule Governance, Justice, Trade and Exchange still remains functional. After which, i would be happy to live planting vegetables and living in a tree-hut like Tarzan, and forget we ever had concepts such as money, selling berries that grow on trees for free for all creatures, and just be happy watching the sunset on the beach and drinking some coconut juice from a fresh coconut.


Unless of course, you have already your own property and refuse to sell (advisable). This is a long term investment that could make any of the few personally owned pieces of property of extremely high value for eventual resale. All of these factors must be contemplated, in order to make sure that one’s assets do not become transformed from a hoard of treasure, into a pile of scrap metal.

What i Never Do; Never Play the Stock Market or Forex Unless You Are the Broker, because Only the broker Always Profits.

Stocks and Market Speculation

So what do i Invest In?

As i said, i use the currency exchange within my Paypal Account to increase the money by merely exchanging money from one currency back and forth, as they fluctuate.

I also collect old Sovereigns, and Krugerrands. Gold Eagle Coins and Silver Dollars, Ancient Asian Silver Money, and collectors Minted Coins (circulated and uncirculated) – Preferably limited editions. Historical Gold Coins from various cultures and countries, and mints, but mostly sovereigns, which are a highly accepted and preferred way of investment. Some sovereigns are very rare and expensive. I recommend study of the subject and to be knowledgeable in the topic to collect wisely and profitably.

Minted Kookaburra Solid Silver Collector Coin

Rare Earths, Gold and Silver Bullion, Palladium, Circulated, and Uncirculated Collector Coins from different Mints, such as the Royal Mint. from whom i also buy Gold and Silver Bullion. Bullion Bars are good for their inherent value and slow but steady increase in value over time, but coins, have the advantage of being able to let’s say, enter the USA at JFK airport, and not be suspected of being a criminal or tax evasion, much more easily than if you you had three 1KG Gold Bullion bars. Even the most educated customs officer will not haver a tendency to realise, that honest people also buy gold bullion, and most would assume you were a criminal of some kind. So, i like gold and silver collector coins, especially limited editions, Both as a hobby, and speculative investment for eventual resale.

Gold Bullion and Minted Coins

Valuable jewellery; One way to travel with more than most countries allow entry with Cash or valuables, is to wear valuable jewelry, which, is also an investment like artwork, that is worth as much as the person who really wants it will pay, and can be a source of high profits, if bought from the source, resold to the right person in the right place, where such items are much more expensive (e.g. buy Emeralds in Colombia, and sell them in the United States).

Bitcoin (Digital Currencies). Bitcoin will soon reach its maximum number it will ever make, and the price has tripled between 2020 and 2021. After the last bitcoin has been made (virtually/digitally/imaginarily), only subdivisions will be possible, whose value will keep increasing. However, i believe that when subdivisions get into the 0.0000000-000000000456 of a bitcoin per 1000$ (exaggerated example), that the currency will become unpopular or unusable because of the difficulty in managing the long numbers in our heads. And so, i only intend to buy bitcoin until i see the last one made, and its take whaterver price increase profits i have made, and pool them in something else.

Gems; Rubies and Emeralds (i am well studied enough to invest, as i am able to select the best and most valuable gems, from my decades of perusal of amulets, I already developed the fine eye, to look under the microscope at gemstones, and evaluate them). Rubies and Emeralds from the world’s preferred mines are something I like to collect, study, and improve my abilities of evaluation, for this is a very delicate study that, if mastered, can allow you to find stones that are worth extreme sums of money, and if lucky, get them at a very good price, if travel to buy straight from the source.

Stocks – I do not trade in stocks, for i believe a bird in the hand is worth more than 2 in the bush, and so most of my assets are physical, with digital assets and online money for basic shopping and everyday payment needs, but i believe, that real treasure and wealth, is tangible, touchable, and enjoyable. I prefer to take out one of my rubies or coins, or Thai ancient amulets from my collections, and examine them, enjoying the study of all facets and features, than to watch a graph on a pc screen showing me how my stocks are rising and falling.

Minted Coins for me, are becoming both a grand hobby, topic of intensive study, collection, and also speculative investment for resale to collectors (and keep collecting more myself, and improve my collection, which is wealth in itself, for rare coins, especially bullion sovereigns, are very easy to trade, and fetch a good price.

Below are  Just Some of the Coins i have Collected, for you to see.

I shall be blogging about, teaching, and even reselling some of the coins i have on this blog in my shop section soon, as well as my journey into expertise in gemology with rubies and emeralds.


In truth, apart from planning to make sure one is not broke or poor in one’s retirement, the best assets to have, are these;  Enough to Live On, Loving Family, Joy of Life, Peace and Wisdom,  Good Friends, Food and Drinks in your Home, with enough to afford to pay your bills, own your own home, and to have enough to live on and have a good lifestyle. After all, that is the only reason we need ‘money’ (instead of true assets that are useful and give pleasure to life), in the first place!

We need money to live, but we do not need to live for money!


Anyone is a Guru These Days on Udemy

There is many a fake life advice guru making a profession out of people’s need or wish to be advised about their lives, and this i find to be unethical, and life advice, should be given freely and with compassion, and never be a profession  itself.

Obviously Fake Guru after a bit of tit and ass and $$$$


Anyone is a Guru These Days on Udemy and other such ‘education website academies’ like Khan Academy and the like. All platforms for Charlatans seeking an income from Spiritual Advisory Services!

The Love Guru!

For this reason, i have made a playlist channel for Life Advice, based not on worldly success with the insinuation that this is how to be happy, nor tell you how to live your life, rather, to tell you how i myself find my way of thinking about things, in order to attain peace and happiness, as well as success.

My version of Life Advice, is based on my own mistakes, involves self admission of one’s own forthcomings and faults, and indeed, one’s own sufferings. and recognizing one’s own role in those sufferings. For indeed, inner suffering is mostly self created. I myself have known and seen my own failings and sufferings, and the cause of most of those i created for myself. One thing is seeing suffering.
How to Tell a Real or Fake Guru
But another thing is seeing its causes. Life advice on the internet is usually based on self promotion and worldly success, but happiness, and how to achieve it, is truly the best life advice one can give, for if one is happy, rich or poor, it is always better than unhappy, rich or poor. Riches therefore, do not necessarily provide the causes of happiness.

Bogeyed Guru

Guru Bogi (Bogeye)

It is easier for a camel to pass through the eye of a needle than a rich man to enter heaven – But a Mindful Person, who is diligent in his Practice, and learns to renounce Materiality, may attain the Path, Be He Rich or Poor.

Topic; “The GURU” (Fake and Real);

Osho Rajneesh Rolls Royce and Devotees

Osho Rajneesh Rolls Royce and Devotees

This time we put one of the richest Gurus in Modern History, Rajneesh; A Very clever conman – a very rich one…. with Mijja Dhitti (False Views)

Never heard a word of wisdom or Dhamma from his mouth. And he reiterates how luxury and wealth is his way to happiness.  But if you examine the inner mind and heart, if you notice  the presence of suffering within (comes and goes in greater and lesser levels),, and that most of the mental and emotional sufferings and dissatisfactions we all experience (even Kings and Queens, and Gurus like Rajneesh), come from attachment and clinging to material things, ideologies and religious beliefs, ethics, selfishness. Rajneesh Owns 93 Rolls Royces

Osho Rajneesh Fake Guru

Osho Rajneesh Fake Guru

If one examines within, one will see that however rich you are, it wont make you happy, because true happiness does not require riches or poverty.. it just requires right view, (Samma Dhitti), which this fellow (Rajneesh) doesnt have yet.

his fast breathing teaching is the same as the ajarn sak yant who know that this in combination with clash of sounds causes trance… its part of the brainwashing process and of spiritual domination of people. Any Ajarn tells you to breathe deep fast and strongly as you receive blessings is a conman.. refuse to do that real deep fast breathing….

Breath Should Be Natural. Mindful Observance of Breath is the Mission

That is not the way.. remain calm, breathe naturally, and focus on your mantra or point of meditative focus which works best (chant inwardly ‘Buddho’ or whatever you feel.. ‘jesus’ ‘allah’ ‘peace’ whatever you prefer.. but for gods sake dont do erratic fast breathing when being treated, tattooed or blessed or taught to meditate by such ‘Gurus’. The fact that Rajneesh was a Hypnotist before he left India is also something to consider about how he can influence the Views (Dhitti) of his audience..

Samma Dhitti (Right View)

“Beggars and Pooor People cannot come to me because they cannot understand him so its natural that he is the rich man’s Guru’.. well all the enlightened Buddhas were mendicant beggars, and all of them were without possessions, and taught the path to the end of suffering – This dude teaches how to be reborn as an animal, hungry ghost, or asura monster or hell being, but the Buddhas taught how to practice to be never reborn as any of those, and only be reborn as a Deva (angelic being), a Human, or to Reach Nibbana. 

To intercede a little with my own ‘Views’ (Dhitti), i would say that i feel that the Tathagatha (Buddha as he referred to Himself), did not possess any views, or have a view,  for he held that all views are ‘points of view’ or ‘personal’ and limited, subjective and not objective, and hence, false views (Mijja Dhitti). “Oh but that is a View in Itself”! I hear you Thinking; Well, one could say that the Only View which the Lord Buddha Had, was that all Views are Wrong Views. This is indeed part of having Right View (Samma Dhitti ).

Samma Dhitti is one of the eight factors of the Noble Eightfold Path Taught by Lord Buddha

The Title Says it All

This guy taught to cling to sensual pleasures and advocated it. he did not see the truth that clinging and desire to impermanent things is the root of suffering and rebirth in realms of suffering, and illusion. He has 90 rolls royces, but he could sell them to educate the poor.. of course this is pointless to indicate, as everyone knows he was a con man

Sometimes people send me messages saying “Ajarn i want to make a donation to you” – No thanks i dont need them as i sell ebooks and amulets as my right profession, and use afilliate marketing (adsense and youtube earnings), to finance myself, and not take money from Looksit or subscribers or wellwishers or students… – True Guru only bestows knowledge wisdom and spirituality but does not allow an institution to arise around him…. Here is one of what most people think is a Guru …. the comments will show some other ‘Gurus’ who are about as rich and famous as Oprah Winfrey and live justr as luxuriously….. 

This teaching below from Ajarn Amaro, is the real reason for not seeking sensual pleasures, and why Rajneesh has 90 Rolls Royces instead of Spiritual Enlightenment. Buddha was happy with nothing, but if Rajneesh was made to live under a tree in the mosquito ridden Jungle, he would soon break apart, proving his lack of self mastery, and love of the cause of rebirth (attachment to sensual pleasures)

I think that people like to hear what they prefer to believe…

If you tell people they will win the lottery within a month after a blessing, and the devotee adds extra donations to the box.. a month later he wonders where his win is…- its with the Ajarn who spent it already or put it on his bank.

Give your children your money, not your Guru.

Death May be the Greatest of all Human Blessings

Death May be the Greatest of all Human Blessings (Socrates) – Now is the Season of Giving, not Taking, for You cannot Take it With You, and You Cannot Give It to Somebody who you Know and Love and who will Need It, and Give it with Your Heart, when You Are Already Dead.

Death May be the Greatest of all Human Blessings

Facing Death can be considered our ultimate test we have to pass in Life.

The Buddha Asked Ananda ‘Tell me Ananda, how often do you think of death?’, to which Ananda answered ‘about 7 times a day Master’, to which the Buddha responded ‘Ananda, you are tooo careless. We need to think about Death, with every breath we take’

One inspiring teaching and incredibly well filmed video which affronts the tabu topic of facing one’s own eventual death and cessation, is this video of Pra Ajarn Tippakorn, made with the help of mdesignffm, which is translated into three languages already (Thai, English, German).
I wanted to share it because it can bring you more easily to addressing this, one of the main issues a true Buddhist Practitioner and Dhamma Warrior should face, and conquer the fear in his own heart. Understanding death, is not as hard as understanding life itself, so it shoulnd’t be such a difficult task to try to understand. What is harder, is accepting the fact of one’s own death, and this is of course one of the subtle causes of suffering we carry around with us throughout our daily lives. Mindfulness of Death may sound depressing, but it can make you live your life more wisely, and skilfully.

The Ultimate Test – Pra Ajarn Tippakorn

The Perfect Teacher - False Gurus for Profit and Fame

A Critical Investigation into why Gurus and Spiritual teachers always try to appear Flawless and without Defilement in Public, and why they never speak of their own failings or defilement, or how they learned from them. True and Fake Gurus and what is a ‘Perfect Teacher’?

Mindfulness of the Experience of Life is the Greatest Teacher

Mindfulness of the Experience of Life is the Greatest Teacher

My Ajarn Spencer Youtube Channel  description to this Video states the following

“Why do Gurus and teachers always seem faultless in the media and when showing themselves in public? And why do they never, or mostly hardly ever, speak about their own failings and deficiencies (defilement), and how they learned from them?”

I myself don’t consider myself a teacher, and see plenty of defilement within myself (the point of the path is to annihilate defilement, and to annihilate it, one needs to perceive it within oneself first). But many of my subscribers do consider my shares to be ‘teachings’, and so, be i a teacher or not, i can say that i like to reveal my difficulties and obstacles within myself, and how i come to terms with my inner battles, as part of my ‘Teachings’ my teachings are based on what i am learning and have learned from my own imperfections… i don’t see this much with millionaire Gurus or World Famous teachers however…

One Life to Get it Right

One Life to Get it Right

A true teacher reveals his teachings as coming from the developments he has achieved or surpassed within his own life trajectory. The Buddha gave his teachings based on his own experiences, and told of his misconceptions and fails in the run up to his enlightenment. The problem with the modern unenlightened professional ‘teacher’ is ‘Dhitti’ meaning ‘attiude’ or ‘disposition’. One tends to believe one’s own concepts, be they arisen from experience, or through mere Vijjikicha (analytic thought). Dhitti can be a right or wrong attitude.

The Buddha spoke of ‘Sammā Dhitti‘ which means ‘Right View’ and ‘Mijchā Dhitti‘ which means ‘Wrong View’. Many Modern Gurus teach the very egoistic rich and self centered Hollywood society and make immense amounts of money, but they are like the Demon Mephisto, who used trusths to trick the Alchemist Faust into selling his Soul. Teaches like Prof. John hagelin of the Maharishi Transcendental meditation Group for example, teaches to see Not-Self-ness in things, and flip it back into the wrong view (Mijchā Dhitti) of ‘I am the Universe’.

Awareness of Death Triggers Awareness of Life

Awareness of Death Triggers Awareness of Life

I conclude with this question, which cannot be answered, and is Rhetorical; Should one say ‘God is in My heart’? or would it be better to say ‘I am in the Heart of God’?