Most financial advisers simply repeat the dogma of the current brand of economic religion. And when the drought comes and no manner of rain dances produce a reprieve, they will shrug their shoulders because they were just reading out of a textbook.

Rising tide floats all boats. As they say, its only when the tide goes out that you see who was swimming naked. Those swimming naked will be all of those who were just doing what everyone else was doing.

Diversification is the only solution. Some mainstream, some apocalyptic.