My stock portfolio is 100% risk free. Correct, I don’t do stocks.
Once I read this book years ago: http://www.ccsales.com/the_richest_man_in_babylon.pdf
I realized banks, etc. require collateral of us, but when we “loan” our money (deposits) to banks, they give us nothing but digits. And stocks/bonds are just worthless paper too. All my investments are in land, or assets I can resell.