There are many different types of asset classes that one individual can invest their capital. It is crucial for them to be aware of their goals and also their risk appetite before deciding which one to use and how much of their portfolio to allocate per asset class. Due to their own nature, different asset classes will respond differently to the market environment and to stress. Please note that even though equities offered the highest average reward of the major asset classes, it also offers a higher risk. Don't forget that a company can easily go bankrupt and that shareholders are the last ones to get paid in case of a complete default situation. Take your time to truly understand how each asset class works and also how they would add to your portfolio, in reality, your major goal will always be to deliver a higher alpha at a lower beta of risk.