#diversification

#diversification

The hardest part of retirement investing isn't picking stocks or timing the market - it's resisting the urge to do either. iShares Core S&P Total U.S. Stock Market ETF (NYSEARCA:ITOT) solves this by offering exposure to the entire U.S. equity market in a single position, charging just 0.03% annually, and requiring no ongoing decisions beyond occasional rebalancing with bonds. What ITOT Actually Does in a Retirement Portfolio

Many baby boomers who are avidly focused on investing for their own retirement may also be looking to invest for their loved ones. Whether that's in the form of passing down some of their wealth at some day to their heirs (which means the better they do, the better their kids and grandkids will do), or simply adding funds to their loved one's 529 college savings plans, there are plenty of ways to invest in future generations.

One of the most important things to remember is that if you want to build up wealth, it's different than retirement income, and if you're on the former side, you want to start accumulating money now. If you're trying to live off your portfolio now, volatility can become highly personal, as a 20% drop in the market over time isn't a buying opportunity, it's actually the money you need for rent and living.

The logic holds that when a company has a shareholder-unfriendly component of its portfolio - e.g. the business in question is cyclical, or it is low-growth or low margin - the company should diversify to make that business less-shareholder unfriendly. I take on the fallacy in this Playing to Win/Practitioner Insights (PTW/PI) piece entitled Diversification Can't Disappear a Strategy Problem: It Just Creates a Different Problem. And as always, you can find all the previous PTW/PI here.

The world of cryptocurrency trading continues to grow rapidly, attracting beginners and experienced investors who are eager to explore its potential. However, the crypto market can be unpredictable, with prices changing quickly and trends shifting overnight. That's why creating a balanced and well-thought-out portfolio is essential. CW-Management experts explain how traders can use diversification and CFD trading to manage risk and build a more stable crypto strategy without relying on luck or guesswork.

In May 2025 , Suze Orman predicted that the U.S. stock market will "absolutely skyrocket" through the remainder of the year and into early 2026. She urged long-term investors to stay invested rather than sell due to fear. Orman recommended building a broadly diversified portfolio by holding at least 25 to 50 individual stocks (or using index ETFs) to take advantage of growth. She specifically highlighted large-cap growth stocks and growth-oriented ETFs (e.g., SPYG, VUG) as likely to benefit in the near future.

Jumping into digital gaming as an entrepreneur? It's... crowded, to say the least, with the rules shifting beneath your feet. Something like 4,300 active online casino licenses popped up worldwide in 2023 (so says H2 Gambling Capital, anyway). The folks who seem to be doing okay-or pulling ahead, actually-might be those focusing on smarter tech and mixing up their strategy, not just sticking to the old playbook.

Maven is perhaps more focussed on mitigating losses than any other VCT manager. It does that by focussing on more established B2B businesses, ideally with recurring revenues, operating in defensive sectors like cybersecurity and diagnostic services. The Maven VCTs are also notable for the diversification they offer. Spread an investment across all four Maven VCTs and an investor will be invested in over 130 private and AIM quoted companies.

The first step is to set a target of $1,000 to keep yourself motivated. Work backwards from there. Identify the amount you need to invest if you're seeking an annual dividend of $1,000. If you're looking at individual stocks, you must spread your investments across 20-30 different companies in various sectors. This will protect your capital amount while ensuring steady passive income. Further, invest in high-yield exchange-traded funds (ETFs) that have low volatility and invest in large-cap companies. It is a hands-off approach where the managers handle all the work for you. Some ETFs also pay monthly dividends.

One of the biggest rules of thumb for any investor is that you should never put all of your investments into a single large position or basket. The concern is that if anything goes wrong and this purchase is affected by market volatility, you could be in a position where you have significant losses. In the case of this Redditor, there is a question of how much should be invested in YieldMax Funds.

However, a surprising trend has emerged in 2025: these ETFs' net asset value (NAV) are increasing, defying the usual expectation of steady decline that is typical of their high-yield, high-risk design.

Investors seeking safety and stability amidst market volatility can consider exchange-traded funds (ETFs), particularly Vanguard ETFs, which offer low costs and diverse exposure.