请问HN：你有什么高级投资建议？
我已经遵循了所有基本原则——紧急基金、养老金计划、罗斯个人退休账户、应税经纪账户等。
现在我在考虑“接下来该做什么”——所有个别成长股都被高估到使基本面分析毫无意义，房地产在我的收入水平下难以接触，而黄金、加密货币等替代投资也无法超越基本的指数基金。
博格头们会说这是一个特征，而不是缺陷——没有人能战胜市场。
但真的就没有其他选择了吗？
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I've followed all the basics - emergency fund, pension plan, Roth IRA, taxable brokerage account, etc<p>Now I'm looking at "what comes next" - all individual growth stocks are so overvalued as to make fundamental analysis meaningless, real estate is inaccessible at my income level, and alternatives like gold, crypto, et al, don't pass the smell test of beating basic index funds.<p>Bogleheads would say that's a feature, not a bug - there is no beating a market.<p>But is there really nothing more?