China has been reshaping its financial strategy for years — and Robert Kiyosaki thinks most Americans haven't noticed.
In a recent Instagram post, the Rich Dad Poor Dad author pointed out that China has been steadily reducing its U.S. Treasury holdings while aggressively building its gold reserves.
"This isn't politics," Kiyosaki wrote. "It's risk management."
His view: after seeing Russia's foreign reserves frozen following its invasion of Ukraine, Beijing decided paper assets are only "yours" until they aren't.
China isn't alone. Central banks globally have been trimming Treasury holdings and adding gold as a hedge against geopolitical risk.
Kiyosaki's broader point is one financial planners have preached for decades: don't put too much faith in any single asset. When one part of your portfolio struggles, having money spread across other asset classes can cushion the blow.
Here are four ways investors are diversifying beyond stocks and bonds.
Priority Gold
Diversify your retirement fund with a precious metals IRA
Arrived
Hassle-free real estate ownership for as little as $100
Mogul
Build your real estate portfolio with ease starting from $250
WiserAdvisor
Get matched with 2 or 3 experts based on your needs 1. Gold
While central banks like China’s are building gold reserves as a hedge against geopolitical instability, individual investors can apply a similar principle to their retirement portfolios.
Gold acts as a financial stabilizer. It doesn’t depend on debt or corporate earnings, making it a powerful counterbalance when equities and bonds face volatility.
For those looking to move beyond paper assets, a self-directed Gold IRA with Priority Gold offers a strategic way to integrate physical gold into your retirement plan.
This setup combines the tax benefits of an IRA with the protective, tangible nature of investing in gold, helping to insulate your savings against currency erosion and market uncertainty.
To learn more about how to protect your nest egg, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases.
Priority Gold
Diversify your retirement fund with a precious metals IRA 2. Real estate
Real estate has long been favored by investors as a structural hedge against inflation. Because rents and property values generally rise alongside the cost of living, income-producing properties can help portfolios maintain purchasing power while providing steady cash flow, offering a layer of diversification that stocks and bonds alone cannot always provide.
You can tap into this market by investing in shares of vacation homes or rental properties through Arrived.
The Vanzant
Single Family Residential
The Smokey
Vacation Rental
The SuiteSpot
Vacation Rental These are a few examples of properties from Arrived. Check out the full list of single family residential homes and vacation rentals currently available.
Backed by world-class investors, including Jeff Bezos, Arrived allows you to invest in shares of rental properties and potentially earn a passive income stream without the operational demands of becoming a landlord.
Plus, for a limited time, when you open an account and add $1,000 or more, Arrived will credit your account with a 1% match.
Simply browse their selection of vetted properties — each chosen for its potential for appreciation and income generation — and start investing with as little as $100.
Arrived
Hassle-free real estate ownership for as little as $100 Another option is a platform called Mogul.
The real estate investment platform offers fractional ownership in blue-chip rental properties, which gives investors monthly rental income, real-time appreciation and tax benefits without the need for a $250,000 down payment or 3 A.M. tenant calls.
Founded by former Goldman Sachs real estate investors, the team hand-picks the top 1% of single-family rental homes nationwide for you. Simply put, you can invest in institutional-quality offerings for a fraction of the usual cost.
These are a few examples of properties from Mogul. Browse available properties on their website.
Across the board, the platform features an average annual IRR of 18.8%. Their cash-on-cash yields, meanwhile, average between 10-12% annually.
Each property undergoes a vetting process, requiring a minimum 12% return even in downside scenarios.
Mogul
Build your real estate portfolio with ease starting from $250 3. Guaranteed income
For investors who want a predictable portion of their portfolio rather than market-dependent returns, a CD ladder is one way to get guaranteed growth.
A Certificate of Deposit (CD) is a savings account where you lock money away for a set period in exchange for a guaranteed interest rate, typically higher than high-yield savings accounts.
A popular approach to maximize CDs is staggering them across different maturity dates so you can access portions of your principal each year.
A CD ladder works especially well if you're saving toward specific goals — like a big vacation, home upgrades, or as a way to supplement retirement income.
Before opening a CD — or renewing an existing one — a quick check on the CD APY Checkpoint Tool by CD Valet can help you see whether you're getting a competitive rate.
Their platform tracks over 40,000 verified CD rates from FDIC-insured banks and NCUA-insured credit unions nationwide, making it easy to see how your current rate stacks up against the market. Unlike other websites, they give you a broader and unbiased look at the market, ensuring you have a comprehensive view of your options.
Simply enter your current APY and term length to compare your CD against today's market benchmarks in seconds. You can also see real-time offers of the best CD rates across the country.
CD Valet
Earn higher returns than a traditional savings account 4. Private markets
Asset classes long reserved for institutions and family offices are now increasingly available to individual investors.
Willow Wealth gives investors access to a full range of them from a single account — private real estate, private equity, private credit, art and litigation finance — either hand-picking your own investments or letting a managed portfolio do the allocating for you.
Minimums start at just $5,000, with fees that typically range from 1% to 4% depending on the offering, putting institutional-style diversification within reach.
Explore how Willow Wealth can help private markets fit into your overall portfolio.
Willow Wealth
Diversify beyond stocks with private markets Not sure which route is right for you?
Whether it's gold, real estate or art, determining the right mix of assets for your portfolio isn't one-size-fits-all.
For investors with portfolios of $250,000 or more, financial decisions often become increasingly nuanced.
Managing withdrawals, minimizing tax exposure, and ensuring long-term sustainability often requires greater coordination and strategic planning.
In these cases, working with a financial advisor can help reduce costly mistakes.
Platforms like WiserAdvisor can connect you with vetted professionals who specialize in this kind of planning.
Simply answer a few questions about your savings, retirement timeline and overall investment portfolio.
From there, WiserAdvisor reviews its network to match you — for free — with up to three vetted, reputable advisors aligned with your specific needs.
You can then schedule no-obligation consultations with your matches to determine who is the best fit for your long-term goals.
WiserAdvisor
Get matched with 2 or 3 experts based on your needs Note: WiserAdvisor is a matching service and does not provide financial advice directly. All matched advisors are third parties, and specific financial results are not guaranteed.
More money moves to make
Acorns
Micro-investing app Automatically save or invest your spare change.
Amerisave
HELOC Tap into your home equity to pay off debt or fund a renovation.
Greenlight
Debit Card Help your kids & teens invest through Greenlight.
