A recent survey found that many Gen Zers and millennials expect to retire between the ages of 51 and 60, despite Medicare eligibility at 65 and full Social Security retirement age at 67. Jim Cramer advises investing in index funds and individual stocks, recommending a 45-50% allocation to index funds and diversifying with innovative stocks. While index funds outperform most actively managed funds, individual stock selection can be risky due to lack of diversification. Cramer also suggests allocating 5-10% of the portfolio to “insurance” assets like gold and bitcoin to hedge against market downturns.

Read more at Yahoo Finance: Jim Cramer says achieving early retirement comes down to just 3 key assets in your investment portfolio