[Imani]

I have successfully maximized my Roth IRA contributions and I am interested in diversifying my investment portfolio.

How would you recommend allocating investments?

I’m looking for ways to further diversify my investments. What are some smart strategies or asset classes to consider next?

Should I focus on taxable brokerage accounts, real estate, bonds, or alternative investments?

I’d love to hear different perspectives on how to build a well-balanced portfolio beyond retirement accounts!”

[Allen]

Sp500 or Similar. All the assets are tightly correlated. , especially in a down turn. Diversification is frequently deworsification.

If you have a long time horizon, it will be fine.

[George]

Pick a target date index funds. Pick the retirement year where the asset allocation matches your risk tolerance rather than your real retirement age.

(Start with 2070 fund, for example)

[Mark]

Diversifying means different things to ppl. We don’t even know what ur invested in now. So, we can’t tell u how to diversify from that.

U got mid cap, small cap international, single stocks.

It’s all about ur overall investment plan, allocation and risk tolerance.

If it helps I’m 70% large cap, 20% small cap. 10% BRK.B. but everyone is different.

[Brad]

I’m 25% in just four ETFs each- VUG (med-large cap growth), VBK (small cap growth), VEA (international), and VTV (defensive value).

This is an aggressive growth orientated portfolio.

I reduce the aggression when I get closer to retirement age

[Franc]

Portfolio visualizer tool allows you to backtest different portfolio allocations such a the traditional 60/40 portfolio against something more customized such as a mixture of sector specific ETFs, REITs, dividend aristocrats stocks etc..

What works for me, might not work for you.

I don’t think there is a one shoe size fits all, but you will see people recommend just the index funds and the target funds.

[Author]

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