As it is with any investment that rises dramatically...you should be reassessing and reallocating on a regular basis.
But generalizations, such as this crap and what Yellen the Troll is always spouting, are fear tactics. If people move their wealth out of the system, they cannot continue to inflate their currencies.
You can practically smell the crap in their pants; they are terrified of losing control.
Governments only lose control when another government conquers them. Keep that in mind.