What about a small allocation in crypto? It's the best performing asset class from the last decade. Additionally, Bitcoin has trounced all major stock indexes and real estate since the March 2020 black swan event.

Crypto assets also provides diversification from stocks, fiat currency, real estate, and other asset classes. Additionally, crypto assets benefit from money printing as people realize that fiat currencies aren't only inflating, they are being devalued!

Telling people to do nothing, when taking a small portfolio of their portion and allocate it to crypto seems like you may be missing something.