Over-diversifying really isn’t doing you any favors. If you want to generate consistent returns and actually make more money, it’s best to take a Rule #1 approach! http://bit.ly/2oK2mVf

Click the link above to learn how you can invest with certainty in the right business at the right price – it’s better to buy one right thing over and over again, than many wrong things once.

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27 COMMENTS

  1. Investing in 3-5 great business should be sufficient. But of course, you need to be able to identify those. But that is really not a problem if you only need to know a handful by heart. To me, a portfolio of 20 stocks is way too diversified. Even though it's accumulated over many years. Why not add to your winners instead of buying a new stock?

  2. I agree with the fact that over diversification won't theoretically make the most money but I do wonder about the fact that when people don't diversify they tend to bail out because mentally they can't stomach the volatility. I think in the long run most people will make more money for themselves if they are over diversified simply because they will feel safer and weather the storm and not sell out.

  3. Hi Phil….I am a strong believer of Concentration of Portfolio because I don't want to risk of dilution in profits because of diversification.

    I have mostly been 100% of my portfolio into 1 stock. This has been very successful to me and I have created significant wealth. You can follow me on Twitter @tejasseth and see my tweets nd my PF performance.

  4. I remember when ENRON was the stock to buy…think those people think diversification is a bad thing now?   Sure, we can cherry pick our examples, but I still maintain that having your investments spread out among 5-6-7 sectors, and a couple of different type funds is the way to go for the average investor.

  5. Diversification isn't about how many stocks you own, it's about being in different sectors.  It's kind of silly to own 6 stocks like Exxon, BP, Marathon, Conoco, Chevron, and Valero, that all reside in the same sector and do pretty much the same thing.   It's much better to own Exxon, Apple, Amazon, Pepsi, Merck, and GM for example…and that is being diversified.

  6. I do have some very successful no load mutual funds in retirement accounts – it just takes some research to get a good rate of return as with stocks. I agree the rate of return on good stocks will be more than what I’m getting currently with mutual funds in both my Roth 401k with the match and Roth IRA I started when I was 18 – but that’s ok. I plan on getting the match and supplementing the mutual funds I already started in addition to doing stocks with extra money. One benefit to retirement accounts is their security and tax benefits and one benefit of individual investing is the liquidity of funds. I like flexibility in both 🙂

  7. I'm loving QQQ, MAIN, JNJ, MCD, PEP, AAPL, GOOGL, AMZN NFLX, SPOT, SHOP, TSLA, PG, KMR, BABA, SQ, MMM, ABBV, AMD, T, PEP, CPB, XOM, F, GIS, KMB, MSFT, NVDA, PFE, SAR, SO, TXN, UTX,VZ,AND DIS!

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