Why Midlife Investors Lose Money on Alternative Investments Early

https://www.scribd.com/document/980486831/Why-a-20-Point-Credit-Score-Gap-Can-Cost-You-Tens-of-Thousands-The-Real-Difference-Between-a-650-and-a-670-181438

Investors aged 35-65 commonly say they want 5-10% of their portfolio outside stocks and bonds. The reason is sensible: seek diversification, lower correlation, and sources of income that behave differently in market stress