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Principle 14

Unnecessary Risks are Unnecessary

Diversification is the only free lunch in finance.


— Dr. Harry Markowitz, Nobel Laureate in Economics

The Golden Gate Bridge in San Francisco is one of the most beautiful and iconic bridges in the world. It is also a good way to think about your pathway to retirement — from the hustle and bustle of the city (work) to the calm, rolling hills (retirement).

But first, you have to cross the bridge. Seems easy enough. But what if they removed the guardrails? Where would you drive? Along the edges, with nothing to stop you from plummeting into the waters below? Or right down the middle?

When it comes to your retirement portfolio, you drive down the middle of the bridge via a broadly-diversified portfolio that holds thousands of companies around the world.

The less diversified you are, the closer you will get to the edge of the bridge. Sometimes this could mean higher returns, but it also might mean — potentially — much greater losses.

With a globally-diversified portfolio, you won’t be the single best performer in any period, but you also have fewer reasons to worry about poor returns from a single asset class. And that keeps your portfolio in the center of the bridge as you head towards retirement.

For most of us, whether we are crossing a bridge or investing, we want to follow a safer path. Our future is too important to risk.

Schedule your free Exploratory phone call

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can be of assistance.

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Recent Posts
Is Social Security Going To Run Out In Your Lifetime?

We get regular updates on the Social Security trust fund. In early May, the Social ...

The post Is Social Security Going To Run Out In Your Lifetime? first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

See more
Thriving on the Uncertainties In Investments

We all like surprises, right? Well not exactly. We like the surprises that we want. ...

The post Thriving on the Uncertainties In Investments first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

See more
9 Facts About Retirement

Retirement can have many meanings. For some, it will be a time to travel and ...

The post 9 Facts About Retirement first appeared on Integrated Tax Planning, Legal Planning & Financial Planning.

See more