Diversification is the practice of spreading investments so no single holding can make or break your plan. True diversification goes beyond “owning a lot of funds”—it means owning different sources of return.
Stocks, bonds, cash, real assets, and (where appropriate) alternatives.
U.S. and international exposure to reduce home-bias.
Growth and value, large and small, multiple industries.
Systematic rebalancing to keep risk in range.
Outcome: Smoother journeys toward your goals—not just higher peaks.
