Smart investors don't flinch even when the end is apparently nigh. This was the position of seasoned vets like Burton Malkiel and William Bernstein in 2008. I don't believe the world is ending just yet, but with fiat and central banks rapidly losing favor to hard commodities, I imagine assets derived from equity will grossly outperform the HYSA over the next decade. That said, what type of investment do you think will yield steady *and* substantial returns as the international market increasingly rejects USD, turning every 1% gained into 2% lost to its exchange rate?