A truly diversified portfolio isn’t a mix of stocks and bonds, but rather it includes some genuinely conservative investments that were created for Distribution Land. Why? Because stocks and bonds are subject to constant highs and lows, these fluctuations aren’t well tolerated by a portfolio where money earned is used as income rather than savings. […]

Throughout your search and preparation for retirement, you might have heard of the Rule of 100, which suggests that if you subtract your age from 100, the result is how much of your portfolio should be invested in stocks, with the remainder in bonds. Presumably, that would keep your investments diversified. However, that’s not true […]