How to manage your investment portfolio well in order to increase the rate of return

In any chosen way of investing, we must have some portion of resources readily available. These will be Polish złoty for current purchases, as well as a buffer for unforeseen expenses (such as medical treatment, accidents, funerals, etc.). Part of this buffer can be deposited in easily tradable assets. These include dollars, euros, Swiss francs, and gold in bullion coins. But what factors should we consider when making a choice? We must take various factors into account. Do I travel around the European Union and spend euros, or do I travel more around the world and use dollars? Or maybe I prefer to protect this buffer resource from inflation. When making a decision, it can be helpful to look at the return rate for these assets. Let's look at a 20-year period. The chart below shows us what return rates we would have obtained after 20 years if we had bought the same amount of gold (GC.F), Swiss francs, dollars, and euros. We see that dollars and euros practically do not yield any return rate. Only gold and to a minimal extent the Swiss franc maintain the value of the resources. A similar situation occurs in the periods of 10, 5 years, and 1 year. The conclusion is that physical gold in the form of easily tradable bullion coins is a good option to be the largest part of the basket of readily available funds. Additionally, such a basket made up of gold coins, dollars, and euros in cash is convenient when traveling abroad.